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$69,655
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,822
−HK$2,201/mo
Today · 4.125%
HK$74,023
baseline
▲ 0.50% · 4.625%
HK$78,527
+HK$4,504/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,046/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,491
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,569
−HK$2,108/mo
Today · 4.125%
HK$81,677
baseline
▲ 0.50% · 4.625%
HK$85,983
+HK$4,306/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,354/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,586
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,186
−HK$2,642/mo
Today · 4.125%
HK$88,828
baseline
▲ 0.50% · 4.625%
HK$94,233
+HK$5,405/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,656/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,989
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,483
−HK$2,530/mo
Today · 4.125%
HK$98,013
baseline
▲ 0.50% · 4.625%
HK$103,179
+HK$5,166/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,026/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,517
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,551
−HK$3,082/mo
Today · 4.125%
HK$103,633
baseline
▲ 0.50% · 4.625%
HK$109,938
+HK$6,305/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,266/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,487
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,397
−HK$2,951/mo
Today · 4.125%
HK$114,348
baseline
▲ 0.50% · 4.625%
HK$120,376
+HK$6,028/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,696/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,379
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$129,279
−HK$3,963/mo
Today · 4.125%
HK$133,242
baseline
▲ 0.50% · 4.625%
HK$141,349
+HK$8,107/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,484/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,483
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$143,224
−HK$3,795/mo
Today · 4.125%
HK$147,019
baseline
▲ 0.50% · 4.625%
HK$154,769
+HK$7,750/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$294,038/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,253 · Scale 2, in force from 26 Feb 2026)