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$69,755
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,925
−HK$2,204/mo
Today · 4.125%
HK$74,129
baseline
▲ 0.50% · 4.625%
HK$78,640
+HK$4,511/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,258/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,602
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,683
−HK$2,111/mo
Today · 4.125%
HK$81,794
baseline
▲ 0.50% · 4.625%
HK$86,106
+HK$4,312/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,588/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,706
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,310
−HK$2,645/mo
Today · 4.125%
HK$88,955
baseline
▲ 0.50% · 4.625%
HK$94,368
+HK$5,413/mo
Deposit HK$12.24M · loan HK$18.35M · min. income ≈ HK$177,910/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,122
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,620
−HK$2,533/mo
Today · 4.125%
HK$98,153
baseline
▲ 0.50% · 4.625%
HK$103,327
+HK$5,174/mo
Deposit HK$12.24M · loan HK$18.35M · min. income ≈ HK$196,306/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,657
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,695
−HK$3,086/mo
Today · 4.125%
HK$103,781
baseline
▲ 0.50% · 4.625%
HK$110,096
+HK$6,315/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$207,562/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,642
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,556
−HK$2,956/mo
Today · 4.125%
HK$114,512
baseline
▲ 0.50% · 4.625%
HK$120,548
+HK$6,036/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$229,024/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,559
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$129,465
−HK$3,968/mo
Today · 4.125%
HK$133,433
baseline
▲ 0.50% · 4.625%
HK$141,552
+HK$8,119/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,866/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,683
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$143,429
−HK$3,801/mo
Today · 4.125%
HK$147,230
baseline
▲ 0.50% · 4.625%
HK$154,990
+HK$7,760/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,460/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,112 · Scale 2, in force from 26 Feb 2026)