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$69,854
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,027
−HK$2,208/mo
Today · 4.125%
HK$74,235
baseline
▲ 0.50% · 4.625%
HK$78,752
+HK$4,517/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,470/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,712
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,797
−HK$2,114/mo
Today · 4.125%
HK$81,911
baseline
▲ 0.50% · 4.625%
HK$86,229
+HK$4,318/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,822/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,825
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,433
−HK$2,649/mo
Today · 4.125%
HK$89,082
baseline
▲ 0.50% · 4.625%
HK$94,502
+HK$5,420/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,164/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,301,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,255
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,756
−HK$2,537/mo
Today · 4.125%
HK$98,293
baseline
▲ 0.50% · 4.625%
HK$103,474
+HK$5,181/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,586/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,301,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,796
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,838
−HK$3,091/mo
Today · 4.125%
HK$103,929
baseline
▲ 0.50% · 4.625%
HK$110,253
+HK$6,324/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,858/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,797
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,715
−HK$2,960/mo
Today · 4.125%
HK$114,675
baseline
▲ 0.50% · 4.625%
HK$120,720
+HK$6,045/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,350/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,738
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$129,649
−HK$3,974/mo
Today · 4.125%
HK$133,623
baseline
▲ 0.50% · 4.625%
HK$141,753
+HK$8,130/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,246/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,301,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,882
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$143,634
−HK$3,806/mo
Today · 4.125%
HK$147,440
baseline
▲ 0.50% · 4.625%
HK$155,211
+HK$7,771/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,880/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,301,965 · Scale 2, in force from 26 Feb 2026)