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$69,879
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,053
−HK$2,208/mo
Today · 4.125%
HK$74,261
baseline
▲ 0.50% · 4.625%
HK$78,780
+HK$4,519/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,522/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,740
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,825
−HK$2,115/mo
Today · 4.125%
HK$81,940
baseline
▲ 0.50% · 4.625%
HK$86,259
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,880/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,855
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,464
−HK$2,650/mo
Today · 4.125%
HK$89,114
baseline
▲ 0.50% · 4.625%
HK$94,536
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,228/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,288
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,790
−HK$2,538/mo
Today · 4.125%
HK$98,328
baseline
▲ 0.50% · 4.625%
HK$103,511
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,656/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,831
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,874
−HK$3,092/mo
Today · 4.125%
HK$103,966
baseline
▲ 0.50% · 4.625%
HK$110,292
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,932/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,836
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,755
−HK$2,961/mo
Today · 4.125%
HK$114,716
baseline
▲ 0.50% · 4.625%
HK$120,763
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,432/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,783
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,695
−HK$3,976/mo
Today · 4.125%
HK$133,671
baseline
▲ 0.50% · 4.625%
HK$141,804
+HK$8,133/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,342/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,932
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,685
−HK$3,807/mo
Today · 4.125%
HK$147,492
baseline
▲ 0.50% · 4.625%
HK$155,267
+HK$7,775/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,984/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,430 · Scale 2, in force from 26 Feb 2026)