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$69,876
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,050
−HK$2,208/mo
Today · 4.125%
HK$74,258
baseline
▲ 0.50% · 4.625%
HK$78,776
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,516/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,737
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,821
−HK$2,115/mo
Today · 4.125%
HK$81,936
baseline
▲ 0.50% · 4.625%
HK$86,255
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,872/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,851
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,460
−HK$2,650/mo
Today · 4.125%
HK$89,110
baseline
▲ 0.50% · 4.625%
HK$94,532
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,220/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,284
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,786
−HK$2,538/mo
Today · 4.125%
HK$98,324
baseline
▲ 0.50% · 4.625%
HK$103,507
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,648/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,827
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,870
−HK$3,091/mo
Today · 4.125%
HK$103,961
baseline
▲ 0.50% · 4.625%
HK$110,287
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,922/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,831
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,750
−HK$2,961/mo
Today · 4.125%
HK$114,711
baseline
▲ 0.50% · 4.625%
HK$120,758
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,422/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,777
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,690
−HK$3,975/mo
Today · 4.125%
HK$133,665
baseline
▲ 0.50% · 4.625%
HK$141,798
+HK$8,133/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,330/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,926
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,679
−HK$3,807/mo
Today · 4.125%
HK$147,486
baseline
▲ 0.50% · 4.625%
HK$155,260
+HK$7,774/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,972/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,371 · Scale 2, in force from 26 Feb 2026)