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$69,616
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,782
−HK$2,200/mo
Today · 4.125%
HK$73,982
baseline
▲ 0.50% · 4.625%
HK$78,484
+HK$4,502/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,964/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,448
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,525
−HK$2,107/mo
Today · 4.125%
HK$81,632
baseline
▲ 0.50% · 4.625%
HK$85,935
+HK$4,303/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,264/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,540
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,138
−HK$2,640/mo
Today · 4.125%
HK$88,778
baseline
▲ 0.50% · 4.625%
HK$94,180
+HK$5,402/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,556/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,937
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,430
−HK$2,528/mo
Today · 4.125%
HK$97,958
baseline
▲ 0.50% · 4.625%
HK$103,122
+HK$5,164/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,916/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,463
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,495
−HK$3,080/mo
Today · 4.125%
HK$103,575
baseline
▲ 0.50% · 4.625%
HK$109,877
+HK$6,302/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,150/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,427
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,335
−HK$2,950/mo
Today · 4.125%
HK$114,285
baseline
▲ 0.50% · 4.625%
HK$120,309
+HK$6,024/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,570/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,310
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,207
−HK$3,961/mo
Today · 4.125%
HK$133,168
baseline
▲ 0.50% · 4.625%
HK$141,271
+HK$8,103/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,336/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,406
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,144
−HK$3,793/mo
Today · 4.125%
HK$146,937
baseline
▲ 0.50% · 4.625%
HK$154,683
+HK$7,746/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,874/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,530 · Scale 2, in force from 26 Feb 2026)