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$69,726
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,895
−HK$2,203/mo
Today · 4.125%
HK$74,098
baseline
▲ 0.50% · 4.625%
HK$78,607
+HK$4,509/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,196/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,569
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,650
−HK$2,110/mo
Today · 4.125%
HK$81,760
baseline
▲ 0.50% · 4.625%
HK$86,070
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,520/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,671
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,274
−HK$2,644/mo
Today · 4.125%
HK$88,918
baseline
▲ 0.50% · 4.625%
HK$94,329
+HK$5,411/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,836/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,083
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,580
−HK$2,532/mo
Today · 4.125%
HK$98,112
baseline
▲ 0.50% · 4.625%
HK$103,284
+HK$5,172/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,224/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,616
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,653
−HK$3,085/mo
Today · 4.125%
HK$103,738
baseline
▲ 0.50% · 4.625%
HK$110,050
+HK$6,312/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,476/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,597
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,510
−HK$2,954/mo
Today · 4.125%
HK$114,464
baseline
▲ 0.50% · 4.625%
HK$120,498
+HK$6,034/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,928/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,507
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,411
−HK$3,966/mo
Today · 4.125%
HK$133,377
baseline
▲ 0.50% · 4.625%
HK$141,493
+HK$8,116/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,754/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,625
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,370
−HK$3,799/mo
Today · 4.125%
HK$147,169
baseline
▲ 0.50% · 4.625%
HK$154,926
+HK$7,757/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,338/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,571 · Scale 2, in force from 26 Feb 2026)