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$69,752
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,921
−HK$2,205/mo
Today · 4.125%
HK$74,126
baseline
▲ 0.50% · 4.625%
HK$78,636
+HK$4,510/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,252/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,300,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,598
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,679
−HK$2,112/mo
Today · 4.125%
HK$81,791
baseline
▲ 0.50% · 4.625%
HK$86,102
+HK$4,311/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,582/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,300,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,702
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,306
−HK$2,645/mo
Today · 4.125%
HK$88,951
baseline
▲ 0.50% · 4.625%
HK$94,363
+HK$5,412/mo
Deposit HK$12.24M · loan HK$18.35M · min. income ≈ HK$177,902/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,118
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,615
−HK$2,534/mo
Today · 4.125%
HK$98,149
baseline
▲ 0.50% · 4.625%
HK$103,322
+HK$5,173/mo
Deposit HK$12.24M · loan HK$18.35M · min. income ≈ HK$196,298/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,653
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,690
−HK$3,086/mo
Today · 4.125%
HK$103,776
baseline
▲ 0.50% · 4.625%
HK$110,091
+HK$6,315/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$207,552/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,637
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,551
−HK$2,956/mo
Today · 4.125%
HK$114,507
baseline
▲ 0.50% · 4.625%
HK$120,543
+HK$6,036/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$229,014/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,553
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$129,459
−HK$3,968/mo
Today · 4.125%
HK$133,427
baseline
▲ 0.50% · 4.625%
HK$141,545
+HK$8,118/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,854/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,677
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$143,423
−HK$3,800/mo
Today · 4.125%
HK$147,223
baseline
▲ 0.50% · 4.625%
HK$154,983
+HK$7,760/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,446/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,052 · Scale 2, in force from 26 Feb 2026)