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$69,467
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,628
−HK$2,196/mo
Today · 4.125%
HK$73,824
baseline
▲ 0.50% · 4.625%
HK$78,316
+HK$4,492/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,648/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,282
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,354
−HK$2,103/mo
Today · 4.125%
HK$81,457
baseline
▲ 0.50% · 4.625%
HK$85,751
+HK$4,294/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,914/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,361
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,954
−HK$2,634/mo
Today · 4.125%
HK$88,588
baseline
▲ 0.50% · 4.625%
HK$93,979
+HK$5,391/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,176/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,738
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,225
−HK$2,523/mo
Today · 4.125%
HK$97,748
baseline
▲ 0.50% · 4.625%
HK$102,901
+HK$5,153/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,496/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,254
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,279
−HK$3,074/mo
Today · 4.125%
HK$103,353
baseline
▲ 0.50% · 4.625%
HK$109,642
+HK$6,289/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,706/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,194
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,096
−HK$2,944/mo
Today · 4.125%
HK$114,040
baseline
▲ 0.50% · 4.625%
HK$120,051
+HK$6,011/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,080/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,041
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$128,931
−HK$3,951/mo
Today · 4.125%
HK$132,882
baseline
▲ 0.50% · 4.625%
HK$140,968
+HK$8,086/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$265,764/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,107
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$142,838
−HK$3,785/mo
Today · 4.125%
HK$146,623
baseline
▲ 0.50% · 4.625%
HK$154,351
+HK$7,728/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$293,246/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,751 · Scale 2, in force from 26 Feb 2026)