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$69,919
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,094
−HK$2,210/mo
Today · 4.125%
HK$74,304
baseline
▲ 0.50% · 4.625%
HK$78,825
+HK$4,521/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,608/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,303,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,785
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,871
−HK$2,116/mo
Today · 4.125%
HK$81,987
baseline
▲ 0.50% · 4.625%
HK$86,309
+HK$4,322/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,974/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,303,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,903
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,513
−HK$2,652/mo
Today · 4.125%
HK$89,165
baseline
▲ 0.50% · 4.625%
HK$94,590
+HK$5,425/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,330/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,342
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,845
−HK$2,539/mo
Today · 4.125%
HK$98,384
baseline
▲ 0.50% · 4.625%
HK$103,570
+HK$5,186/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,768/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,887
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,932
−HK$3,094/mo
Today · 4.125%
HK$104,026
baseline
▲ 0.50% · 4.625%
HK$110,355
+HK$6,329/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$208,052/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,898
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,819
−HK$2,963/mo
Today · 4.125%
HK$114,782
baseline
▲ 0.50% · 4.625%
HK$120,832
+HK$6,050/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,564/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,855
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,770
−HK$3,977/mo
Today · 4.125%
HK$133,747
baseline
▲ 0.50% · 4.625%
HK$141,885
+HK$8,138/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$267,494/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,012
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$143,767
−HK$3,810/mo
Today · 4.125%
HK$147,577
baseline
▲ 0.50% · 4.625%
HK$155,356
+HK$7,779/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$295,154/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,176 · Scale 2, in force from 26 Feb 2026)