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$69,736
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,906
−HK$2,203/mo
Today · 4.125%
HK$74,109
baseline
▲ 0.50% · 4.625%
HK$78,619
+HK$4,510/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,218/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,581
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,662
−HK$2,110/mo
Today · 4.125%
HK$81,772
baseline
▲ 0.50% · 4.625%
HK$86,083
+HK$4,311/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,544/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,684
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,287
−HK$2,644/mo
Today · 4.125%
HK$88,931
baseline
▲ 0.50% · 4.625%
HK$94,343
+HK$5,412/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,862/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,097
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,594
−HK$2,533/mo
Today · 4.125%
HK$98,127
baseline
▲ 0.50% · 4.625%
HK$103,299
+HK$5,172/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,254/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,631
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,668
−HK$3,085/mo
Today · 4.125%
HK$103,753
baseline
▲ 0.50% · 4.625%
HK$110,066
+HK$6,313/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$207,506/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,613
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,526
−HK$2,955/mo
Today · 4.125%
HK$114,481
baseline
▲ 0.50% · 4.625%
HK$120,516
+HK$6,035/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$228,962/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,525
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,430
−HK$3,967/mo
Today · 4.125%
HK$133,397
baseline
▲ 0.50% · 4.625%
HK$141,514
+HK$8,117/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,794/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,646
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,391
−HK$3,799/mo
Today · 4.125%
HK$147,190
baseline
▲ 0.50% · 4.625%
HK$154,949
+HK$7,759/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,380/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,764 · Scale 2, in force from 26 Feb 2026)