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$69,706
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,875
−HK$2,202/mo
Today · 4.125%
HK$74,077
baseline
▲ 0.50% · 4.625%
HK$78,585
+HK$4,508/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,154/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,548
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,627
−HK$2,110/mo
Today · 4.125%
HK$81,737
baseline
▲ 0.50% · 4.625%
HK$86,046
+HK$4,309/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,474/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,648
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,249
−HK$2,644/mo
Today · 4.125%
HK$88,893
baseline
▲ 0.50% · 4.625%
HK$94,302
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,786/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,057
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,553
−HK$2,532/mo
Today · 4.125%
HK$98,085
baseline
▲ 0.50% · 4.625%
HK$103,255
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,170/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,589
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,624
−HK$3,084/mo
Today · 4.125%
HK$103,708
baseline
▲ 0.50% · 4.625%
HK$110,019
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,416/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,567
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,478
−HK$2,954/mo
Today · 4.125%
HK$114,432
baseline
▲ 0.50% · 4.625%
HK$120,464
+HK$6,032/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,864/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,471
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,374
−HK$3,965/mo
Today · 4.125%
HK$133,339
baseline
▲ 0.50% · 4.625%
HK$141,453
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,678/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,586
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,329
−HK$3,798/mo
Today · 4.125%
HK$147,127
baseline
▲ 0.50% · 4.625%
HK$154,882
+HK$7,755/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,254/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,204 · Scale 2, in force from 26 Feb 2026)