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$69,954
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,130
−HK$2,211/mo
Today · 4.125%
HK$74,341
baseline
▲ 0.50% · 4.625%
HK$78,864
+HK$4,523/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,682/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,823
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,910
−HK$2,118/mo
Today · 4.125%
HK$82,028
baseline
▲ 0.50% · 4.625%
HK$86,351
+HK$4,323/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,056/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,945
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,556
−HK$2,653/mo
Today · 4.125%
HK$89,209
baseline
▲ 0.50% · 4.625%
HK$94,637
+HK$5,428/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,418/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,303,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,388
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,892
−HK$2,541/mo
Today · 4.125%
HK$98,433
baseline
▲ 0.50% · 4.625%
HK$103,622
+HK$5,189/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,866/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,303,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,935
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,982
−HK$3,095/mo
Today · 4.125%
HK$104,077
baseline
▲ 0.50% · 4.625%
HK$110,410
+HK$6,333/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,154/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,952
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,874
−HK$2,965/mo
Today · 4.125%
HK$114,839
baseline
▲ 0.50% · 4.625%
HK$120,892
+HK$6,053/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,678/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,917
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$129,834
−HK$3,979/mo
Today · 4.125%
HK$133,813
baseline
▲ 0.50% · 4.625%
HK$141,955
+HK$8,142/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,626/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,081
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$143,838
−HK$3,812/mo
Today · 4.125%
HK$147,650
baseline
▲ 0.50% · 4.625%
HK$155,432
+HK$7,782/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,300/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,818 · Scale 2, in force from 26 Feb 2026)