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$69,958
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,134
−HK$2,211/mo
Today · 4.125%
HK$74,345
baseline
▲ 0.50% · 4.625%
HK$78,869
+HK$4,524/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,690/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,828
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,915
−HK$2,117/mo
Today · 4.125%
HK$82,032
baseline
▲ 0.50% · 4.625%
HK$86,356
+HK$4,324/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,064/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,950
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,561
−HK$2,653/mo
Today · 4.125%
HK$89,214
baseline
▲ 0.50% · 4.625%
HK$94,642
+HK$5,428/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,428/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,303,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,393
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,898
−HK$2,541/mo
Today · 4.125%
HK$98,439
baseline
▲ 0.50% · 4.625%
HK$103,628
+HK$5,189/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,878/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,303,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,941
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,988
−HK$3,095/mo
Today · 4.125%
HK$104,083
baseline
▲ 0.50% · 4.625%
HK$110,416
+HK$6,333/mo
Deposit HK$9.20M · loan HK$21.48M · min. income ≈ HK$208,166/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,959
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,881
−HK$2,964/mo
Today · 4.125%
HK$114,845
baseline
▲ 0.50% · 4.625%
HK$120,899
+HK$6,054/mo
Deposit HK$9.20M · loan HK$21.48M · min. income ≈ HK$229,690/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,924
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,841
−HK$3,980/mo
Today · 4.125%
HK$133,821
baseline
▲ 0.50% · 4.625%
HK$141,964
+HK$8,143/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,642/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,090
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,847
−HK$3,811/mo
Today · 4.125%
HK$147,658
baseline
▲ 0.50% · 4.625%
HK$155,441
+HK$7,783/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,316/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,895 · Scale 2, in force from 26 Feb 2026)