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$69,615
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,781
−HK$2,200/mo
Today · 4.125%
HK$73,981
baseline
▲ 0.50% · 4.625%
HK$78,482
+HK$4,501/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,962/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,446
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,524
−HK$2,107/mo
Today · 4.125%
HK$81,631
baseline
▲ 0.50% · 4.625%
HK$85,934
+HK$4,303/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,262/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,539
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,137
−HK$2,640/mo
Today · 4.125%
HK$88,777
baseline
▲ 0.50% · 4.625%
HK$94,179
+HK$5,402/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,554/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,936
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,428
−HK$2,529/mo
Today · 4.125%
HK$97,957
baseline
▲ 0.50% · 4.625%
HK$103,120
+HK$5,163/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,914/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,462
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,493
−HK$3,080/mo
Today · 4.125%
HK$103,573
baseline
▲ 0.50% · 4.625%
HK$109,875
+HK$6,302/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,146/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,425
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,333
−HK$2,950/mo
Today · 4.125%
HK$114,283
baseline
▲ 0.50% · 4.625%
HK$120,307
+HK$6,024/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,566/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,308
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,206
−HK$3,960/mo
Today · 4.125%
HK$133,166
baseline
▲ 0.50% · 4.625%
HK$141,268
+HK$8,102/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,332/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,404
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,142
−HK$3,793/mo
Today · 4.125%
HK$146,935
baseline
▲ 0.50% · 4.625%
HK$154,680
+HK$7,745/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,870/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,511 · Scale 2, in force from 26 Feb 2026)