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$69,924
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,099
−HK$2,210/mo
Today · 4.125%
HK$74,309
baseline
▲ 0.50% · 4.625%
HK$78,830
+HK$4,521/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,618/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,790
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,876
−HK$2,116/mo
Today · 4.125%
HK$81,992
baseline
▲ 0.50% · 4.625%
HK$86,314
+HK$4,322/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,984/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,909
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,519
−HK$2,651/mo
Today · 4.125%
HK$89,170
baseline
▲ 0.50% · 4.625%
HK$94,596
+HK$5,426/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,340/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,347
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,851
−HK$2,540/mo
Today · 4.125%
HK$98,391
baseline
▲ 0.50% · 4.625%
HK$103,577
+HK$5,186/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,782/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,893
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,938
−HK$3,094/mo
Today · 4.125%
HK$104,032
baseline
▲ 0.50% · 4.625%
HK$110,362
+HK$6,330/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,064/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,905
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,826
−HK$2,963/mo
Today · 4.125%
HK$114,789
baseline
▲ 0.50% · 4.625%
HK$120,840
+HK$6,051/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,578/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,863
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$129,778
−HK$3,978/mo
Today · 4.125%
HK$133,756
baseline
▲ 0.50% · 4.625%
HK$141,894
+HK$8,138/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$267,512/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,021
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$143,777
−HK$3,809/mo
Today · 4.125%
HK$147,586
baseline
▲ 0.50% · 4.625%
HK$155,366
+HK$7,780/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$295,172/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,259 · Scale 2, in force from 26 Feb 2026)