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$69,712
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,880
−HK$2,203/mo
Today · 4.125%
HK$74,083
baseline
▲ 0.50% · 4.625%
HK$78,591
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,166/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,554
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,634
−HK$2,110/mo
Today · 4.125%
HK$81,744
baseline
▲ 0.50% · 4.625%
HK$86,052
+HK$4,308/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,488/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,654
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,256
−HK$2,644/mo
Today · 4.125%
HK$88,900
baseline
▲ 0.50% · 4.625%
HK$94,309
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,800/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,064
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,560
−HK$2,532/mo
Today · 4.125%
HK$98,092
baseline
▲ 0.50% · 4.625%
HK$103,263
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,184/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,597
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,632
−HK$3,085/mo
Today · 4.125%
HK$103,717
baseline
▲ 0.50% · 4.625%
HK$110,028
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,434/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,575
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,487
−HK$2,954/mo
Today · 4.125%
HK$114,441
baseline
▲ 0.50% · 4.625%
HK$120,473
+HK$6,032/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,882/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,481
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,384
−HK$3,966/mo
Today · 4.125%
HK$133,350
baseline
▲ 0.50% · 4.625%
HK$141,464
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,700/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,597
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,341
−HK$3,798/mo
Today · 4.125%
HK$147,139
baseline
▲ 0.50% · 4.625%
HK$154,894
+HK$7,755/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,278/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,307 · Scale 2, in force from 26 Feb 2026)