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$69,722
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,891
−HK$2,203/mo
Today · 4.125%
HK$74,094
baseline
▲ 0.50% · 4.625%
HK$78,603
+HK$4,509/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,188/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,565
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,645
−HK$2,110/mo
Today · 4.125%
HK$81,755
baseline
▲ 0.50% · 4.625%
HK$86,065
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,510/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,666
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,269
−HK$2,644/mo
Today · 4.125%
HK$88,913
baseline
▲ 0.50% · 4.625%
HK$94,323
+HK$5,410/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,826/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,078
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,574
−HK$2,533/mo
Today · 4.125%
HK$98,107
baseline
▲ 0.50% · 4.625%
HK$103,278
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,214/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,611
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,647
−HK$3,085/mo
Today · 4.125%
HK$103,732
baseline
▲ 0.50% · 4.625%
HK$110,044
+HK$6,312/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,464/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,591
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,503
−HK$2,955/mo
Today · 4.125%
HK$114,458
baseline
▲ 0.50% · 4.625%
HK$120,491
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,916/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,499
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,403
−HK$3,966/mo
Today · 4.125%
HK$133,369
baseline
▲ 0.50% · 4.625%
HK$141,485
+HK$8,116/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,738/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,617
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,361
−HK$3,799/mo
Today · 4.125%
HK$147,160
baseline
▲ 0.50% · 4.625%
HK$154,917
+HK$7,757/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,320/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,495 · Scale 2, in force from 26 Feb 2026)