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$69,828
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$72,000
−HK$2,206/mo
Today · 4.125%
HK$74,206
baseline
▲ 0.50% · 4.625%
HK$78,722
+HK$4,516/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,412/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,683
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,766
−HK$2,113/mo
Today · 4.125%
HK$81,879
baseline
▲ 0.50% · 4.625%
HK$86,195
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,758/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,793
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,400
−HK$2,648/mo
Today · 4.125%
HK$89,048
baseline
▲ 0.50% · 4.625%
HK$94,466
+HK$5,418/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,096/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,219
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,719
−HK$2,536/mo
Today · 4.125%
HK$98,255
baseline
▲ 0.50% · 4.625%
HK$103,435
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,510/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,759
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,800
−HK$3,089/mo
Today · 4.125%
HK$103,889
baseline
▲ 0.50% · 4.625%
HK$110,210
+HK$6,321/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,778/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,756
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,672
−HK$2,959/mo
Today · 4.125%
HK$114,631
baseline
▲ 0.50% · 4.625%
HK$120,674
+HK$6,043/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,262/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,690
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$129,599
−HK$3,973/mo
Today · 4.125%
HK$133,572
baseline
▲ 0.50% · 4.625%
HK$141,699
+HK$8,127/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,144/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,829
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$143,579
−HK$3,804/mo
Today · 4.125%
HK$147,383
baseline
▲ 0.50% · 4.625%
HK$155,152
+HK$7,769/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,766/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,466 · Scale 2, in force from 26 Feb 2026)