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$69,696
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,863
−HK$2,203/mo
Today · 4.125%
HK$74,066
baseline
▲ 0.50% · 4.625%
HK$78,573
+HK$4,507/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,132/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,536
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,615
−HK$2,110/mo
Today · 4.125%
HK$81,725
baseline
▲ 0.50% · 4.625%
HK$86,032
+HK$4,307/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,450/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,635
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,236
−HK$2,643/mo
Today · 4.125%
HK$88,879
baseline
▲ 0.50% · 4.625%
HK$94,287
+HK$5,408/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,758/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,299,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,043
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,538
−HK$2,532/mo
Today · 4.125%
HK$98,070
baseline
▲ 0.50% · 4.625%
HK$103,239
+HK$5,169/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,140/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,299,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,574
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,609
−HK$3,084/mo
Today · 4.125%
HK$103,693
baseline
▲ 0.50% · 4.625%
HK$110,002
+HK$6,309/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,386/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,550
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,461
−HK$2,953/mo
Today · 4.125%
HK$114,414
baseline
▲ 0.50% · 4.625%
HK$120,445
+HK$6,031/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,828/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,452
−HK$7,867/mo
▼ 0.25% · 3.875%
HK$129,354
−HK$3,965/mo
Today · 4.125%
HK$133,319
baseline
▲ 0.50% · 4.625%
HK$141,431
+HK$8,112/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,638/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,564
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$143,307
−HK$3,797/mo
Today · 4.125%
HK$147,104
baseline
▲ 0.50% · 4.625%
HK$154,858
+HK$7,754/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,208/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,004 · Scale 2, in force from 26 Feb 2026)