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$69,750
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,919
−HK$2,205/mo
Today · 4.125%
HK$74,124
baseline
▲ 0.50% · 4.625%
HK$78,634
+HK$4,510/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,248/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,300,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,596
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,677
−HK$2,111/mo
Today · 4.125%
HK$81,788
baseline
▲ 0.50% · 4.625%
HK$86,099
+HK$4,311/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,576/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,300,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,700
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,303
−HK$2,645/mo
Today · 4.125%
HK$88,948
baseline
▲ 0.50% · 4.625%
HK$94,361
+HK$5,413/mo
Deposit HK$12.24M · loan HK$18.35M · min. income ≈ HK$177,896/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,115
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,612
−HK$2,534/mo
Today · 4.125%
HK$98,146
baseline
▲ 0.50% · 4.625%
HK$103,319
+HK$5,173/mo
Deposit HK$12.24M · loan HK$18.35M · min. income ≈ HK$196,292/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,650
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,687
−HK$3,086/mo
Today · 4.125%
HK$103,773
baseline
▲ 0.50% · 4.625%
HK$110,088
+HK$6,315/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$207,546/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,634
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,548
−HK$2,956/mo
Today · 4.125%
HK$114,504
baseline
▲ 0.50% · 4.625%
HK$120,539
+HK$6,035/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$229,008/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,550
−HK$7,873/mo
▼ 0.25% · 3.875%
HK$129,455
−HK$3,968/mo
Today · 4.125%
HK$133,423
baseline
▲ 0.50% · 4.625%
HK$141,541
+HK$8,118/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,846/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,673
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$143,419
−HK$3,800/mo
Today · 4.125%
HK$147,219
baseline
▲ 0.50% · 4.625%
HK$154,979
+HK$7,760/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,438/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,015 · Scale 2, in force from 26 Feb 2026)