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$69,631
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,797
−HK$2,201/mo
Today · 4.125%
HK$73,998
baseline
▲ 0.50% · 4.625%
HK$78,500
+HK$4,502/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,996/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,464
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,541
−HK$2,108/mo
Today · 4.125%
HK$81,649
baseline
▲ 0.50% · 4.625%
HK$85,953
+HK$4,304/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,298/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,557
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,156
−HK$2,641/mo
Today · 4.125%
HK$88,797
baseline
▲ 0.50% · 4.625%
HK$94,200
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,594/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,957
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,450
−HK$2,529/mo
Today · 4.125%
HK$97,979
baseline
▲ 0.50% · 4.625%
HK$103,143
+HK$5,164/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,958/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,484
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,516
−HK$3,081/mo
Today · 4.125%
HK$103,597
baseline
▲ 0.50% · 4.625%
HK$109,900
+HK$6,303/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,194/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,449
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,358
−HK$2,951/mo
Today · 4.125%
HK$114,309
baseline
▲ 0.50% · 4.625%
HK$120,334
+HK$6,025/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,618/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,336
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,235
−HK$3,961/mo
Today · 4.125%
HK$133,196
baseline
▲ 0.50% · 4.625%
HK$141,300
+HK$8,104/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,392/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,435
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,175
−HK$3,793/mo
Today · 4.125%
HK$146,968
baseline
▲ 0.50% · 4.625%
HK$154,715
+HK$7,747/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,936/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,802 · Scale 2, in force from 26 Feb 2026)