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$69,737
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$71,907
−HK$2,204/mo
Today · 4.125%
HK$74,111
baseline
▲ 0.50% · 4.625%
HK$78,620
+HK$4,509/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,222/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,582
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,663
−HK$2,111/mo
Today · 4.125%
HK$81,774
baseline
▲ 0.50% · 4.625%
HK$86,084
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,548/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,685
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,288
−HK$2,645/mo
Today · 4.125%
HK$88,933
baseline
▲ 0.50% · 4.625%
HK$94,344
+HK$5,411/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,866/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,099
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,596
−HK$2,533/mo
Today · 4.125%
HK$98,129
baseline
▲ 0.50% · 4.625%
HK$103,301
+HK$5,172/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,258/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,632
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,669
−HK$3,086/mo
Today · 4.125%
HK$103,755
baseline
▲ 0.50% · 4.625%
HK$110,068
+HK$6,313/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$207,510/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,615
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,528
−HK$2,955/mo
Today · 4.125%
HK$114,483
baseline
▲ 0.50% · 4.625%
HK$120,518
+HK$6,035/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$228,966/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,527
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,432
−HK$3,967/mo
Today · 4.125%
HK$133,399
baseline
▲ 0.50% · 4.625%
HK$141,516
+HK$8,117/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,798/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,648
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$143,393
−HK$3,800/mo
Today · 4.125%
HK$147,193
baseline
▲ 0.50% · 4.625%
HK$154,952
+HK$7,759/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,386/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,786 · Scale 2, in force from 26 Feb 2026)