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$69,885
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,059
−HK$2,209/mo
Today · 4.125%
HK$74,268
baseline
▲ 0.50% · 4.625%
HK$78,787
+HK$4,519/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,536/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,747
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,832
−HK$2,115/mo
Today · 4.125%
HK$81,947
baseline
▲ 0.50% · 4.625%
HK$86,267
+HK$4,320/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,894/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,862
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,471
−HK$2,650/mo
Today · 4.125%
HK$89,121
baseline
▲ 0.50% · 4.625%
HK$94,544
+HK$5,423/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,242/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,296
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,798
−HK$2,538/mo
Today · 4.125%
HK$98,336
baseline
▲ 0.50% · 4.625%
HK$103,520
+HK$5,184/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,672/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,839
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,883
−HK$3,092/mo
Today · 4.125%
HK$103,975
baseline
▲ 0.50% · 4.625%
HK$110,301
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,950/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,845
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,764
−HK$2,962/mo
Today · 4.125%
HK$114,726
baseline
▲ 0.50% · 4.625%
HK$120,773
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,452/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,793
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,706
−HK$3,976/mo
Today · 4.125%
HK$133,682
baseline
▲ 0.50% · 4.625%
HK$141,816
+HK$8,134/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,364/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,944
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,697
−HK$3,808/mo
Today · 4.125%
HK$147,505
baseline
▲ 0.50% · 4.625%
HK$155,280
+HK$7,775/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$295,010/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,539 · Scale 2, in force from 26 Feb 2026)