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$69,817
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,989
−HK$2,206/mo
Today · 4.125%
HK$74,195
baseline
▲ 0.50% · 4.625%
HK$78,710
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,390/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,671
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,754
−HK$2,113/mo
Today · 4.125%
HK$81,867
baseline
▲ 0.50% · 4.625%
HK$86,182
+HK$4,315/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,734/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,780
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,386
−HK$2,648/mo
Today · 4.125%
HK$89,034
baseline
▲ 0.50% · 4.625%
HK$94,452
+HK$5,418/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,068/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,205
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,704
−HK$2,536/mo
Today · 4.125%
HK$98,240
baseline
▲ 0.50% · 4.625%
HK$103,419
+HK$5,179/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,480/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,744
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,784
−HK$3,089/mo
Today · 4.125%
HK$103,873
baseline
▲ 0.50% · 4.625%
HK$110,194
+HK$6,321/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$207,746/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,739
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,655
−HK$2,959/mo
Today · 4.125%
HK$114,614
baseline
▲ 0.50% · 4.625%
HK$120,655
+HK$6,041/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$229,228/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,671
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$129,580
−HK$3,971/mo
Today · 4.125%
HK$133,551
baseline
▲ 0.50% · 4.625%
HK$141,677
+HK$8,126/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,102/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,807
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$143,557
−HK$3,804/mo
Today · 4.125%
HK$147,361
baseline
▲ 0.50% · 4.625%
HK$155,128
+HK$7,767/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,722/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,267 · Scale 2, in force from 26 Feb 2026)