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$69,633
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,799
−HK$2,201/mo
Today · 4.125%
HK$74,000
baseline
▲ 0.50% · 4.625%
HK$78,502
+HK$4,502/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,000/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,466
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,544
−HK$2,107/mo
Today · 4.125%
HK$81,651
baseline
▲ 0.50% · 4.625%
HK$85,955
+HK$4,304/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,302/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,560
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,159
−HK$2,641/mo
Today · 4.125%
HK$88,800
baseline
▲ 0.50% · 4.625%
HK$94,203
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,600/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,959
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,452
−HK$2,530/mo
Today · 4.125%
HK$97,982
baseline
▲ 0.50% · 4.625%
HK$103,146
+HK$5,164/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,964/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,486
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,519
−HK$3,081/mo
Today · 4.125%
HK$103,600
baseline
▲ 0.50% · 4.625%
HK$109,903
+HK$6,303/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,200/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,452
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,361
−HK$2,951/mo
Today · 4.125%
HK$114,312
baseline
▲ 0.50% · 4.625%
HK$120,337
+HK$6,025/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,624/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,339
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,238
−HK$3,961/mo
Today · 4.125%
HK$133,199
baseline
▲ 0.50% · 4.625%
HK$141,304
+HK$8,105/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,398/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,439
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,179
−HK$3,793/mo
Today · 4.125%
HK$146,972
baseline
▲ 0.50% · 4.625%
HK$154,719
+HK$7,747/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,944/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,839 · Scale 2, in force from 26 Feb 2026)