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$69,720
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,889
−HK$2,203/mo
Today · 4.125%
HK$74,092
baseline
▲ 0.50% · 4.625%
HK$78,600
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,184/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,563
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,643
−HK$2,110/mo
Today · 4.125%
HK$81,753
baseline
▲ 0.50% · 4.625%
HK$86,063
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,506/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,664
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,266
−HK$2,644/mo
Today · 4.125%
HK$88,910
baseline
▲ 0.50% · 4.625%
HK$94,320
+HK$5,410/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,820/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,075
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,572
−HK$2,532/mo
Today · 4.125%
HK$98,104
baseline
▲ 0.50% · 4.625%
HK$103,275
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,208/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,608
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,644
−HK$3,085/mo
Today · 4.125%
HK$103,729
baseline
▲ 0.50% · 4.625%
HK$110,040
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,458/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,588
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,500
−HK$2,955/mo
Today · 4.125%
HK$114,455
baseline
▲ 0.50% · 4.625%
HK$120,488
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,910/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,496
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,400
−HK$3,966/mo
Today · 4.125%
HK$133,366
baseline
▲ 0.50% · 4.625%
HK$141,481
+HK$8,115/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,732/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,613
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,357
−HK$3,799/mo
Today · 4.125%
HK$147,156
baseline
▲ 0.50% · 4.625%
HK$154,913
+HK$7,757/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,312/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,459 · Scale 2, in force from 26 Feb 2026)