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$69,835
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,007
−HK$2,207/mo
Today · 4.125%
HK$74,214
baseline
▲ 0.50% · 4.625%
HK$78,729
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,428/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,690
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,774
−HK$2,114/mo
Today · 4.125%
HK$81,888
baseline
▲ 0.50% · 4.625%
HK$86,204
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,776/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,801
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,408
−HK$2,648/mo
Today · 4.125%
HK$89,056
baseline
▲ 0.50% · 4.625%
HK$94,475
+HK$5,419/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,112/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,228
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,729
−HK$2,536/mo
Today · 4.125%
HK$98,265
baseline
▲ 0.50% · 4.625%
HK$103,445
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,530/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,768
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,809
−HK$3,090/mo
Today · 4.125%
HK$103,899
baseline
▲ 0.50% · 4.625%
HK$110,221
+HK$6,322/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,798/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,766
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,683
−HK$2,960/mo
Today · 4.125%
HK$114,643
baseline
▲ 0.50% · 4.625%
HK$120,686
+HK$6,043/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,286/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,702
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,612
−HK$3,973/mo
Today · 4.125%
HK$133,585
baseline
▲ 0.50% · 4.625%
HK$141,713
+HK$8,128/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,170/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,842
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,593
−HK$3,805/mo
Today · 4.125%
HK$147,398
baseline
▲ 0.50% · 4.625%
HK$155,167
+HK$7,769/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,796/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,594 · Scale 2, in force from 26 Feb 2026)