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$69,867
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,040
−HK$2,208/mo
Today · 4.125%
HK$74,248
baseline
▲ 0.50% · 4.625%
HK$78,766
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,496/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,726
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,811
−HK$2,115/mo
Today · 4.125%
HK$81,926
baseline
▲ 0.50% · 4.625%
HK$86,244
+HK$4,318/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,852/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,840
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,448
−HK$2,650/mo
Today · 4.125%
HK$89,098
baseline
▲ 0.50% · 4.625%
HK$94,519
+HK$5,421/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$178,196/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,272
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,773
−HK$2,538/mo
Today · 4.125%
HK$98,311
baseline
▲ 0.50% · 4.625%
HK$103,493
+HK$5,182/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$196,622/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,814
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,856
−HK$3,092/mo
Today · 4.125%
HK$103,948
baseline
▲ 0.50% · 4.625%
HK$110,273
+HK$6,325/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,896/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,817
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,735
−HK$2,961/mo
Today · 4.125%
HK$114,696
baseline
▲ 0.50% · 4.625%
HK$120,742
+HK$6,046/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,392/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,761
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$129,672
−HK$3,975/mo
Today · 4.125%
HK$133,647
baseline
▲ 0.50% · 4.625%
HK$141,779
+HK$8,132/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,294/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,907
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,660
−HK$3,806/mo
Today · 4.125%
HK$147,466
baseline
▲ 0.50% · 4.625%
HK$155,239
+HK$7,773/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,932/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,199 · Scale 2, in force from 26 Feb 2026)