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$69,649
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,816
−HK$2,201/mo
Today · 4.125%
HK$74,017
baseline
▲ 0.50% · 4.625%
HK$78,521
+HK$4,504/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,034/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,484
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,562
−HK$2,109/mo
Today · 4.125%
HK$81,671
baseline
▲ 0.50% · 4.625%
HK$85,976
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,342/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,579
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,179
−HK$2,642/mo
Today · 4.125%
HK$88,821
baseline
▲ 0.50% · 4.625%
HK$94,225
+HK$5,404/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,642/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,981
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,475
−HK$2,530/mo
Today · 4.125%
HK$98,005
baseline
▲ 0.50% · 4.625%
HK$103,171
+HK$5,166/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,010/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,509
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,542
−HK$3,082/mo
Today · 4.125%
HK$103,624
baseline
▲ 0.50% · 4.625%
HK$109,929
+HK$6,305/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,248/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,478
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,387
−HK$2,952/mo
Today · 4.125%
HK$114,339
baseline
▲ 0.50% · 4.625%
HK$120,366
+HK$6,027/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,678/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,369
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$129,269
−HK$3,962/mo
Today · 4.125%
HK$133,231
baseline
▲ 0.50% · 4.625%
HK$141,338
+HK$8,107/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,462/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,472
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$143,212
−HK$3,795/mo
Today · 4.125%
HK$147,007
baseline
▲ 0.50% · 4.625%
HK$154,756
+HK$7,749/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$294,014/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,145 · Scale 2, in force from 26 Feb 2026)