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$69,930
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,106
−HK$2,210/mo
Today · 4.125%
HK$74,316
baseline
▲ 0.50% · 4.625%
HK$78,838
+HK$4,522/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,632/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,797
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,883
−HK$2,117/mo
Today · 4.125%
HK$82,000
baseline
▲ 0.50% · 4.625%
HK$86,322
+HK$4,322/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$164,000/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,917
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,527
−HK$2,652/mo
Today · 4.125%
HK$89,179
baseline
▲ 0.50% · 4.625%
HK$94,605
+HK$5,426/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,358/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,356
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,860
−HK$2,540/mo
Today · 4.125%
HK$98,400
baseline
▲ 0.50% · 4.625%
HK$103,587
+HK$5,187/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,800/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,903
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,948
−HK$3,094/mo
Today · 4.125%
HK$104,042
baseline
▲ 0.50% · 4.625%
HK$110,373
+HK$6,331/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,084/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,916
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,837
−HK$2,963/mo
Today · 4.125%
HK$114,800
baseline
▲ 0.50% · 4.625%
HK$120,851
+HK$6,051/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,600/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,875
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$129,790
−HK$3,978/mo
Today · 4.125%
HK$133,768
baseline
▲ 0.50% · 4.625%
HK$141,908
+HK$8,140/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$267,536/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,034
−HK$7,566/mo
▼ 0.25% · 3.875%
HK$143,790
−HK$3,810/mo
Today · 4.125%
HK$147,600
baseline
▲ 0.50% · 4.625%
HK$155,380
+HK$7,780/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$295,200/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,382 · Scale 2, in force from 26 Feb 2026)