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$69,743
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,913
−HK$2,204/mo
Today · 4.125%
HK$74,117
baseline
▲ 0.50% · 4.625%
HK$78,627
+HK$4,510/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,234/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,589
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,670
−HK$2,111/mo
Today · 4.125%
HK$81,781
baseline
▲ 0.50% · 4.625%
HK$86,091
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,562/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,692
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,295
−HK$2,645/mo
Today · 4.125%
HK$88,940
baseline
▲ 0.50% · 4.625%
HK$94,352
+HK$5,412/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,880/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,107
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,604
−HK$2,533/mo
Today · 4.125%
HK$98,137
baseline
▲ 0.50% · 4.625%
HK$103,310
+HK$5,173/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,274/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,641
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,678
−HK$3,086/mo
Today · 4.125%
HK$103,764
baseline
▲ 0.50% · 4.625%
HK$110,077
+HK$6,313/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$207,528/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,299,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,624
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,538
−HK$2,955/mo
Today · 4.125%
HK$114,493
baseline
▲ 0.50% · 4.625%
HK$120,528
+HK$6,035/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$228,986/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,299,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,538
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,443
−HK$3,967/mo
Today · 4.125%
HK$133,410
baseline
▲ 0.50% · 4.625%
HK$141,528
+HK$8,118/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,820/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,660
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$143,405
−HK$3,800/mo
Today · 4.125%
HK$147,205
baseline
▲ 0.50% · 4.625%
HK$154,965
+HK$7,760/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,410/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,895 · Scale 2, in force from 26 Feb 2026)