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$69,921
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,096
−HK$2,210/mo
Today · 4.125%
HK$74,306
baseline
▲ 0.50% · 4.625%
HK$78,827
+HK$4,521/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,612/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,787
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,873
−HK$2,116/mo
Today · 4.125%
HK$81,989
baseline
▲ 0.50% · 4.625%
HK$86,311
+HK$4,322/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,978/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,906
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,516
−HK$2,651/mo
Today · 4.125%
HK$89,167
baseline
▲ 0.50% · 4.625%
HK$94,593
+HK$5,426/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,334/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,344
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,848
−HK$2,539/mo
Today · 4.125%
HK$98,387
baseline
▲ 0.50% · 4.625%
HK$103,573
+HK$5,186/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,774/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,890
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,935
−HK$3,093/mo
Today · 4.125%
HK$104,028
baseline
▲ 0.50% · 4.625%
HK$110,358
+HK$6,330/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$208,056/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,901
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,822
−HK$2,963/mo
Today · 4.125%
HK$114,785
baseline
▲ 0.50% · 4.625%
HK$120,836
+HK$6,051/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,570/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,858
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$129,773
−HK$3,978/mo
Today · 4.125%
HK$133,751
baseline
▲ 0.50% · 4.625%
HK$141,889
+HK$8,138/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$267,502/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,016
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$143,771
−HK$3,810/mo
Today · 4.125%
HK$147,581
baseline
▲ 0.50% · 4.625%
HK$155,360
+HK$7,779/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$295,162/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,212 · Scale 2, in force from 26 Feb 2026)