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$69,951
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,127
−HK$2,211/mo
Today · 4.125%
HK$74,338
baseline
▲ 0.50% · 4.625%
HK$78,861
+HK$4,523/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,676/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,820
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,907
−HK$2,117/mo
Today · 4.125%
HK$82,024
baseline
▲ 0.50% · 4.625%
HK$86,348
+HK$4,324/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,048/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,941
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,552
−HK$2,653/mo
Today · 4.125%
HK$89,205
baseline
▲ 0.50% · 4.625%
HK$94,633
+HK$5,428/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,410/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,384
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,888
−HK$2,541/mo
Today · 4.125%
HK$98,429
baseline
▲ 0.50% · 4.625%
HK$103,618
+HK$5,189/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,858/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,932
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,978
−HK$3,095/mo
Today · 4.125%
HK$104,073
baseline
▲ 0.50% · 4.625%
HK$110,405
+HK$6,332/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,146/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,948
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,870
−HK$2,964/mo
Today · 4.125%
HK$114,834
baseline
▲ 0.50% · 4.625%
HK$120,887
+HK$6,053/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,668/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,912
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$129,829
−HK$3,979/mo
Today · 4.125%
HK$133,808
baseline
▲ 0.50% · 4.625%
HK$141,950
+HK$8,142/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,616/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,076
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,833
−HK$3,811/mo
Today · 4.125%
HK$147,644
baseline
▲ 0.50% · 4.625%
HK$155,426
+HK$7,782/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,288/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,768 · Scale 2, in force from 26 Feb 2026)