The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$69,894
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,068
−HK$2,209/mo
Today · 4.125%
HK$74,277
baseline
▲ 0.50% · 4.625%
HK$78,796
+HK$4,519/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,554/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,756
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,841
−HK$2,116/mo
Today · 4.125%
HK$81,957
baseline
▲ 0.50% · 4.625%
HK$86,277
+HK$4,320/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,914/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,872
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,481
−HK$2,651/mo
Today · 4.125%
HK$89,132
baseline
▲ 0.50% · 4.625%
HK$94,555
+HK$5,423/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,264/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,307
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,810
−HK$2,538/mo
Today · 4.125%
HK$98,348
baseline
▲ 0.50% · 4.625%
HK$103,532
+HK$5,184/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,696/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,851
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,895
−HK$3,092/mo
Today · 4.125%
HK$103,987
baseline
▲ 0.50% · 4.625%
HK$110,315
+HK$6,328/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$207,974/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,858
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,778
−HK$2,962/mo
Today · 4.125%
HK$114,740
baseline
▲ 0.50% · 4.625%
HK$120,788
+HK$6,048/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,480/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,809
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,722
−HK$3,976/mo
Today · 4.125%
HK$133,698
baseline
▲ 0.50% · 4.625%
HK$141,833
+HK$8,135/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$267,396/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,961
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,715
−HK$3,808/mo
Today · 4.125%
HK$147,523
baseline
▲ 0.50% · 4.625%
HK$155,299
+HK$7,776/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$295,046/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,697 · Scale 2, in force from 26 Feb 2026)