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$69,865
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,038
−HK$2,208/mo
Today · 4.125%
HK$74,246
baseline
▲ 0.50% · 4.625%
HK$78,764
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,492/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,724
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,808
−HK$2,115/mo
Today · 4.125%
HK$81,923
baseline
▲ 0.50% · 4.625%
HK$86,241
+HK$4,318/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,846/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,838
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,446
−HK$2,649/mo
Today · 4.125%
HK$89,095
baseline
▲ 0.50% · 4.625%
HK$94,516
+HK$5,421/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$178,190/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,269
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,770
−HK$2,538/mo
Today · 4.125%
HK$98,308
baseline
▲ 0.50% · 4.625%
HK$103,490
+HK$5,182/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$196,616/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,811
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,853
−HK$3,091/mo
Today · 4.125%
HK$103,944
baseline
▲ 0.50% · 4.625%
HK$110,269
+HK$6,325/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,888/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,813
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,732
−HK$2,960/mo
Today · 4.125%
HK$114,692
baseline
▲ 0.50% · 4.625%
HK$120,738
+HK$6,046/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,384/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,757
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$129,668
−HK$3,975/mo
Today · 4.125%
HK$133,643
baseline
▲ 0.50% · 4.625%
HK$141,774
+HK$8,131/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,286/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,903
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$143,655
−HK$3,806/mo
Today · 4.125%
HK$147,461
baseline
▲ 0.50% · 4.625%
HK$155,234
+HK$7,773/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,922/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,157 · Scale 2, in force from 26 Feb 2026)