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$69,864
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,037
−HK$2,208/mo
Today · 4.125%
HK$74,245
baseline
▲ 0.50% · 4.625%
HK$78,763
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,490/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,723
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,808
−HK$2,114/mo
Today · 4.125%
HK$81,922
baseline
▲ 0.50% · 4.625%
HK$86,241
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,844/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,837
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,445
−HK$2,649/mo
Today · 4.125%
HK$89,094
baseline
▲ 0.50% · 4.625%
HK$94,516
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$178,188/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,268
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,769
−HK$2,538/mo
Today · 4.125%
HK$98,307
baseline
▲ 0.50% · 4.625%
HK$103,489
+HK$5,182/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$196,614/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,810
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,852
−HK$3,091/mo
Today · 4.125%
HK$103,943
baseline
▲ 0.50% · 4.625%
HK$110,268
+HK$6,325/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,886/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,813
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,731
−HK$2,960/mo
Today · 4.125%
HK$114,691
baseline
▲ 0.50% · 4.625%
HK$120,737
+HK$6,046/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,382/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,756
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$129,667
−HK$3,975/mo
Today · 4.125%
HK$133,642
baseline
▲ 0.50% · 4.625%
HK$141,773
+HK$8,131/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,284/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,902
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$143,654
−HK$3,806/mo
Today · 4.125%
HK$147,460
baseline
▲ 0.50% · 4.625%
HK$155,233
+HK$7,773/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,920/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,147 · Scale 2, in force from 26 Feb 2026)