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$69,652
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,819
−HK$2,201/mo
Today · 4.125%
HK$74,020
baseline
▲ 0.50% · 4.625%
HK$78,524
+HK$4,504/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,040/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,488
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,566
−HK$2,108/mo
Today · 4.125%
HK$81,674
baseline
▲ 0.50% · 4.625%
HK$85,979
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,348/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,583
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,183
−HK$2,641/mo
Today · 4.125%
HK$88,824
baseline
▲ 0.50% · 4.625%
HK$94,229
+HK$5,405/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,648/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,985
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,479
−HK$2,530/mo
Today · 4.125%
HK$98,009
baseline
▲ 0.50% · 4.625%
HK$103,175
+HK$5,166/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,018/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,513
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,547
−HK$3,081/mo
Today · 4.125%
HK$103,628
baseline
▲ 0.50% · 4.625%
HK$109,934
+HK$6,306/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,256/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,483
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,392
−HK$2,952/mo
Today · 4.125%
HK$114,344
baseline
▲ 0.50% · 4.625%
HK$120,371
+HK$6,027/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,688/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,374
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$129,274
−HK$3,962/mo
Today · 4.125%
HK$133,236
baseline
▲ 0.50% · 4.625%
HK$141,343
+HK$8,107/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,472/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,478
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$143,218
−HK$3,795/mo
Today · 4.125%
HK$147,013
baseline
▲ 0.50% · 4.625%
HK$154,762
+HK$7,749/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$294,026/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,199 · Scale 2, in force from 26 Feb 2026)