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$69,812
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,984
−HK$2,206/mo
Today · 4.125%
HK$74,190
baseline
▲ 0.50% · 4.625%
HK$78,704
+HK$4,514/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,380/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,665
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,748
−HK$2,113/mo
Today · 4.125%
HK$81,861
baseline
▲ 0.50% · 4.625%
HK$86,176
+HK$4,315/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,722/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,775
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,380
−HK$2,648/mo
Today · 4.125%
HK$89,028
baseline
▲ 0.50% · 4.625%
HK$94,445
+HK$5,417/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,056/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,198
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,698
−HK$2,536/mo
Today · 4.125%
HK$98,234
baseline
▲ 0.50% · 4.625%
HK$103,412
+HK$5,178/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,468/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,737
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,777
−HK$3,089/mo
Today · 4.125%
HK$103,866
baseline
▲ 0.50% · 4.625%
HK$110,186
+HK$6,320/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$207,732/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,731
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,648
−HK$2,958/mo
Today · 4.125%
HK$114,606
baseline
▲ 0.50% · 4.625%
HK$120,647
+HK$6,041/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$229,212/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,662
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$129,571
−HK$3,971/mo
Today · 4.125%
HK$133,542
baseline
▲ 0.50% · 4.625%
HK$141,668
+HK$8,126/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$267,084/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,798
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,547
−HK$3,803/mo
Today · 4.125%
HK$147,350
baseline
▲ 0.50% · 4.625%
HK$155,117
+HK$7,767/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$294,700/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,177 · Scale 2, in force from 26 Feb 2026)