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$69,938
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,114
−HK$2,210/mo
Today · 4.125%
HK$74,324
baseline
▲ 0.50% · 4.625%
HK$78,847
+HK$4,523/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,648/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,806
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,893
−HK$2,116/mo
Today · 4.125%
HK$82,009
baseline
▲ 0.50% · 4.625%
HK$86,332
+HK$4,323/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,018/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,926
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,537
−HK$2,652/mo
Today · 4.125%
HK$89,189
baseline
▲ 0.50% · 4.625%
HK$94,616
+HK$5,427/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,378/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,367
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,871
−HK$2,540/mo
Today · 4.125%
HK$98,411
baseline
▲ 0.50% · 4.625%
HK$103,599
+HK$5,188/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,822/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,914
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,959
−HK$3,095/mo
Today · 4.125%
HK$104,054
baseline
▲ 0.50% · 4.625%
HK$110,385
+HK$6,331/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,108/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,928
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,850
−HK$2,963/mo
Today · 4.125%
HK$114,813
baseline
▲ 0.50% · 4.625%
HK$120,865
+HK$6,052/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,626/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,889
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,805
−HK$3,979/mo
Today · 4.125%
HK$133,784
baseline
▲ 0.50% · 4.625%
HK$141,924
+HK$8,140/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$267,568/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,050
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,807
−HK$3,810/mo
Today · 4.125%
HK$147,617
baseline
▲ 0.50% · 4.625%
HK$155,398
+HK$7,781/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$295,234/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,531 · Scale 2, in force from 26 Feb 2026)