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$69,886
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,060
−HK$2,209/mo
Today · 4.125%
HK$74,269
baseline
▲ 0.50% · 4.625%
HK$78,788
+HK$4,519/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,538/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,748
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,833
−HK$2,115/mo
Today · 4.125%
HK$81,948
baseline
▲ 0.50% · 4.625%
HK$86,268
+HK$4,320/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,896/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,864
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,472
−HK$2,651/mo
Today · 4.125%
HK$89,123
baseline
▲ 0.50% · 4.625%
HK$94,546
+HK$5,423/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,246/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,297
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,800
−HK$2,538/mo
Today · 4.125%
HK$98,338
baseline
▲ 0.50% · 4.625%
HK$103,522
+HK$5,184/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,676/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,841
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,884
−HK$3,092/mo
Today · 4.125%
HK$103,976
baseline
▲ 0.50% · 4.625%
HK$110,303
+HK$6,327/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,952/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,847
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,766
−HK$2,962/mo
Today · 4.125%
HK$114,728
baseline
▲ 0.50% · 4.625%
HK$120,775
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,456/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,795
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,708
−HK$3,976/mo
Today · 4.125%
HK$133,684
baseline
▲ 0.50% · 4.625%
HK$141,818
+HK$8,134/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,368/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,946
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,699
−HK$3,808/mo
Today · 4.125%
HK$147,507
baseline
▲ 0.50% · 4.625%
HK$155,282
+HK$7,775/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$295,014/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,560 · Scale 2, in force from 26 Feb 2026)