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$69,776
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,946
−HK$2,206/mo
Today · 4.125%
HK$74,152
baseline
▲ 0.50% · 4.625%
HK$78,664
+HK$4,512/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,304/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,625
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,707
−HK$2,112/mo
Today · 4.125%
HK$81,819
baseline
▲ 0.50% · 4.625%
HK$86,132
+HK$4,313/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,638/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,731
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,336
−HK$2,646/mo
Today · 4.125%
HK$88,982
baseline
▲ 0.50% · 4.625%
HK$94,396
+HK$5,414/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,964/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,150
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,648
−HK$2,535/mo
Today · 4.125%
HK$98,183
baseline
▲ 0.50% · 4.625%
HK$103,358
+HK$5,175/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,366/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,686
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,725
−HK$3,087/mo
Today · 4.125%
HK$103,812
baseline
▲ 0.50% · 4.625%
HK$110,129
+HK$6,317/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,624/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,675
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,590
−HK$2,957/mo
Today · 4.125%
HK$114,547
baseline
▲ 0.50% · 4.625%
HK$120,584
+HK$6,037/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,094/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,597
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$129,504
−HK$3,969/mo
Today · 4.125%
HK$133,473
baseline
▲ 0.50% · 4.625%
HK$141,594
+HK$8,121/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,946/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,725
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$143,473
−HK$3,801/mo
Today · 4.125%
HK$147,274
baseline
▲ 0.50% · 4.625%
HK$155,037
+HK$7,763/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,548/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,504 · Scale 2, in force from 26 Feb 2026)