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$69,891
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,065
−HK$2,209/mo
Today · 4.125%
HK$74,274
baseline
▲ 0.50% · 4.625%
HK$78,793
+HK$4,519/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,548/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,753
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,838
−HK$2,116/mo
Today · 4.125%
HK$81,954
baseline
▲ 0.50% · 4.625%
HK$86,274
+HK$4,320/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,908/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,869
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,478
−HK$2,650/mo
Today · 4.125%
HK$89,128
baseline
▲ 0.50% · 4.625%
HK$94,552
+HK$5,424/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,256/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,304
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,806
−HK$2,538/mo
Today · 4.125%
HK$98,344
baseline
▲ 0.50% · 4.625%
HK$103,528
+HK$5,184/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,688/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,847
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$100,891
−HK$3,092/mo
Today · 4.125%
HK$103,983
baseline
▲ 0.50% · 4.625%
HK$110,310
+HK$6,327/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$207,966/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,854
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,774
−HK$2,961/mo
Today · 4.125%
HK$114,735
baseline
▲ 0.50% · 4.625%
HK$120,783
+HK$6,048/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,470/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,804
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,717
−HK$3,976/mo
Today · 4.125%
HK$133,693
baseline
▲ 0.50% · 4.625%
HK$141,828
+HK$8,135/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$267,386/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,955
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,709
−HK$3,808/mo
Today · 4.125%
HK$147,517
baseline
▲ 0.50% · 4.625%
HK$155,292
+HK$7,775/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$295,034/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,645 · Scale 2, in force from 26 Feb 2026)