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$69,861
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,034
−HK$2,208/mo
Today · 4.125%
HK$74,242
baseline
▲ 0.50% · 4.625%
HK$78,760
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,484/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,720
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,804
−HK$2,115/mo
Today · 4.125%
HK$81,919
baseline
▲ 0.50% · 4.625%
HK$86,237
+HK$4,318/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,838/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,833
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,441
−HK$2,650/mo
Today · 4.125%
HK$89,091
baseline
▲ 0.50% · 4.625%
HK$94,512
+HK$5,421/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,182/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,264
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,765
−HK$2,538/mo
Today · 4.125%
HK$98,303
baseline
▲ 0.50% · 4.625%
HK$103,484
+HK$5,181/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,606/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,806
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,848
−HK$3,091/mo
Today · 4.125%
HK$103,939
baseline
▲ 0.50% · 4.625%
HK$110,263
+HK$6,324/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,878/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,808
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,726
−HK$2,960/mo
Today · 4.125%
HK$114,686
baseline
▲ 0.50% · 4.625%
HK$120,732
+HK$6,046/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,372/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,750
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$129,662
−HK$3,974/mo
Today · 4.125%
HK$133,636
baseline
▲ 0.50% · 4.625%
HK$141,767
+HK$8,131/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,272/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,896
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$143,648
−HK$3,806/mo
Today · 4.125%
HK$147,454
baseline
▲ 0.50% · 4.625%
HK$155,227
+HK$7,773/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,908/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,092 · Scale 2, in force from 26 Feb 2026)