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$69,842
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,014
−HK$2,208/mo
Today · 4.125%
HK$74,222
baseline
▲ 0.50% · 4.625%
HK$78,738
+HK$4,516/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,444/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,698
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,782
−HK$2,114/mo
Today · 4.125%
HK$81,896
baseline
▲ 0.50% · 4.625%
HK$86,213
+HK$4,317/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,792/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,810
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,417
−HK$2,649/mo
Today · 4.125%
HK$89,066
baseline
▲ 0.50% · 4.625%
HK$94,485
+HK$5,419/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,132/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,238
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,739
−HK$2,537/mo
Today · 4.125%
HK$98,276
baseline
▲ 0.50% · 4.625%
HK$103,456
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,552/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,779
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,820
−HK$3,090/mo
Today · 4.125%
HK$103,910
baseline
▲ 0.50% · 4.625%
HK$110,233
+HK$6,323/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,820/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,778
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,695
−HK$2,960/mo
Today · 4.125%
HK$114,655
baseline
▲ 0.50% · 4.625%
HK$120,698
+HK$6,043/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,310/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,715
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,626
−HK$3,973/mo
Today · 4.125%
HK$133,599
baseline
▲ 0.50% · 4.625%
HK$141,728
+HK$8,129/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,198/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,857
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,608
−HK$3,805/mo
Today · 4.125%
HK$147,413
baseline
▲ 0.50% · 4.625%
HK$155,184
+HK$7,771/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,826/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,732 · Scale 2, in force from 26 Feb 2026)