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$69,976
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,152
−HK$2,212/mo
Today · 4.125%
HK$74,364
baseline
▲ 0.50% · 4.625%
HK$78,889
+HK$4,525/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,728/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,847
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,935
−HK$2,118/mo
Today · 4.125%
HK$82,053
baseline
▲ 0.50% · 4.625%
HK$86,378
+HK$4,325/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,106/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,971
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,583
−HK$2,654/mo
Today · 4.125%
HK$89,237
baseline
▲ 0.50% · 4.625%
HK$94,666
+HK$5,429/mo
Deposit HK$12.28M · loan HK$18.41M · min. income ≈ HK$178,474/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,417
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,922
−HK$2,542/mo
Today · 4.125%
HK$98,464
baseline
▲ 0.50% · 4.625%
HK$103,654
+HK$5,190/mo
Deposit HK$12.28M · loan HK$18.41M · min. income ≈ HK$196,928/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,966
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,013
−HK$3,096/mo
Today · 4.125%
HK$104,109
baseline
▲ 0.50% · 4.625%
HK$110,444
+HK$6,335/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$208,218/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,986
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,909
−HK$2,965/mo
Today · 4.125%
HK$114,874
baseline
▲ 0.50% · 4.625%
HK$120,930
+HK$6,056/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$229,748/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,956
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$129,874
−HK$3,981/mo
Today · 4.125%
HK$133,855
baseline
▲ 0.50% · 4.625%
HK$142,000
+HK$8,145/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$267,710/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,125
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$143,883
−HK$3,813/mo
Today · 4.125%
HK$147,696
baseline
▲ 0.50% · 4.625%
HK$155,481
+HK$7,785/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$295,392/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,227 · Scale 2, in force from 26 Feb 2026)