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$69,709
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,877
−HK$2,203/mo
Today · 4.125%
HK$74,080
baseline
▲ 0.50% · 4.625%
HK$78,588
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,160/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,550
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,630
−HK$2,110/mo
Today · 4.125%
HK$81,740
baseline
▲ 0.50% · 4.625%
HK$86,049
+HK$4,309/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,480/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,650
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,252
−HK$2,644/mo
Today · 4.125%
HK$88,896
baseline
▲ 0.50% · 4.625%
HK$94,305
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,792/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,060
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,556
−HK$2,532/mo
Today · 4.125%
HK$98,088
baseline
▲ 0.50% · 4.625%
HK$103,258
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,176/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,592
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,628
−HK$3,084/mo
Today · 4.125%
HK$103,712
baseline
▲ 0.50% · 4.625%
HK$110,023
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,424/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,570
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,482
−HK$2,954/mo
Today · 4.125%
HK$114,436
baseline
▲ 0.50% · 4.625%
HK$120,468
+HK$6,032/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,872/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,476
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,379
−HK$3,965/mo
Today · 4.125%
HK$133,344
baseline
▲ 0.50% · 4.625%
HK$141,458
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,688/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,590
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,334
−HK$3,798/mo
Today · 4.125%
HK$147,132
baseline
▲ 0.50% · 4.625%
HK$154,887
+HK$7,755/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,264/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,248 · Scale 2, in force from 26 Feb 2026)