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$69,901
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,075
−HK$2,210/mo
Today · 4.125%
HK$74,285
baseline
▲ 0.50% · 4.625%
HK$78,805
+HK$4,520/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,570/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,764
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,850
−HK$2,116/mo
Today · 4.125%
HK$81,966
baseline
▲ 0.50% · 4.625%
HK$86,286
+HK$4,320/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,932/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,881
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,491
−HK$2,650/mo
Today · 4.125%
HK$89,141
baseline
▲ 0.50% · 4.625%
HK$94,566
+HK$5,425/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,282/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,317
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,820
−HK$2,539/mo
Today · 4.125%
HK$98,359
baseline
▲ 0.50% · 4.625%
HK$103,543
+HK$5,184/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,718/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,862
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,906
−HK$3,092/mo
Today · 4.125%
HK$103,998
baseline
▲ 0.50% · 4.625%
HK$110,326
+HK$6,328/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$207,996/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,870
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,790
−HK$2,962/mo
Today · 4.125%
HK$114,752
baseline
▲ 0.50% · 4.625%
HK$120,801
+HK$6,049/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,504/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,822
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,736
−HK$3,976/mo
Today · 4.125%
HK$133,712
baseline
▲ 0.50% · 4.625%
HK$141,848
+HK$8,136/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$267,424/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,976
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,730
−HK$3,808/mo
Today · 4.125%
HK$147,538
baseline
▲ 0.50% · 4.625%
HK$155,315
+HK$7,777/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$295,076/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,836 · Scale 2, in force from 26 Feb 2026)