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$69,810
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,982
−HK$2,206/mo
Today · 4.125%
HK$74,188
baseline
▲ 0.50% · 4.625%
HK$78,702
+HK$4,514/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,376/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,663
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,746
−HK$2,113/mo
Today · 4.125%
HK$81,859
baseline
▲ 0.50% · 4.625%
HK$86,174
+HK$4,315/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,718/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,772
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,378
−HK$2,647/mo
Today · 4.125%
HK$89,025
baseline
▲ 0.50% · 4.625%
HK$94,442
+HK$5,417/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,050/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,196
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,695
−HK$2,536/mo
Today · 4.125%
HK$98,231
baseline
▲ 0.50% · 4.625%
HK$103,409
+HK$5,178/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,462/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,734
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,774
−HK$3,089/mo
Today · 4.125%
HK$103,863
baseline
▲ 0.50% · 4.625%
HK$110,183
+HK$6,320/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$207,726/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,728
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,644
−HK$2,958/mo
Today · 4.125%
HK$114,602
baseline
▲ 0.50% · 4.625%
HK$120,643
+HK$6,041/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$229,204/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,658
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$129,567
−HK$3,971/mo
Today · 4.125%
HK$133,538
baseline
▲ 0.50% · 4.625%
HK$141,664
+HK$8,126/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$267,076/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,793
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,543
−HK$3,803/mo
Today · 4.125%
HK$147,346
baseline
▲ 0.50% · 4.625%
HK$155,113
+HK$7,767/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$294,692/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,139 · Scale 2, in force from 26 Feb 2026)