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$69,662
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,829
−HK$2,201/mo
Today · 4.125%
HK$74,030
baseline
▲ 0.50% · 4.625%
HK$78,535
+HK$4,505/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,060/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,498
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,576
−HK$2,109/mo
Today · 4.125%
HK$81,685
baseline
▲ 0.50% · 4.625%
HK$85,991
+HK$4,306/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,370/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,594
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,194
−HK$2,642/mo
Today · 4.125%
HK$88,836
baseline
▲ 0.50% · 4.625%
HK$94,242
+HK$5,406/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,672/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,997
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,492
−HK$2,530/mo
Today · 4.125%
HK$98,022
baseline
▲ 0.50% · 4.625%
HK$103,189
+HK$5,167/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,044/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,526
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,560
−HK$3,082/mo
Today · 4.125%
HK$103,642
baseline
▲ 0.50% · 4.625%
HK$109,948
+HK$6,306/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,284/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,497
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,407
−HK$2,952/mo
Today · 4.125%
HK$114,359
baseline
▲ 0.50% · 4.625%
HK$120,387
+HK$6,028/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,718/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,391
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$129,291
−HK$3,963/mo
Today · 4.125%
HK$133,254
baseline
▲ 0.50% · 4.625%
HK$141,362
+HK$8,108/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,508/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,496
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$143,237
−HK$3,796/mo
Today · 4.125%
HK$147,033
baseline
▲ 0.50% · 4.625%
HK$154,783
+HK$7,750/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$294,066/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,373 · Scale 2, in force from 26 Feb 2026)