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$69,643
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,809
−HK$2,201/mo
Today · 4.125%
HK$74,010
baseline
▲ 0.50% · 4.625%
HK$78,514
+HK$4,504/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,020/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,477
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,555
−HK$2,108/mo
Today · 4.125%
HK$81,663
baseline
▲ 0.50% · 4.625%
HK$85,968
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,326/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,572
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,171
−HK$2,641/mo
Today · 4.125%
HK$88,812
baseline
▲ 0.50% · 4.625%
HK$94,216
+HK$5,404/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,624/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,298,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,973
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,466
−HK$2,530/mo
Today · 4.125%
HK$97,996
baseline
▲ 0.50% · 4.625%
HK$103,161
+HK$5,165/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$195,992/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,298,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,500
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,533
−HK$3,081/mo
Today · 4.125%
HK$103,614
baseline
▲ 0.50% · 4.625%
HK$109,919
+HK$6,305/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,228/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,468
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,377
−HK$2,951/mo
Today · 4.125%
HK$114,328
baseline
▲ 0.50% · 4.625%
HK$120,355
+HK$6,027/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,656/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,357
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$129,257
−HK$3,961/mo
Today · 4.125%
HK$133,218
baseline
▲ 0.50% · 4.625%
HK$141,324
+HK$8,106/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,436/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,459
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,199
−HK$3,794/mo
Today · 4.125%
HK$146,993
baseline
▲ 0.50% · 4.625%
HK$154,742
+HK$7,749/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$293,986/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,024 · Scale 2, in force from 26 Feb 2026)