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$69,637
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,803
−HK$2,201/mo
Today · 4.125%
HK$74,004
baseline
▲ 0.50% · 4.625%
HK$78,507
+HK$4,503/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,008/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,470
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,548
−HK$2,108/mo
Today · 4.125%
HK$81,656
baseline
▲ 0.50% · 4.625%
HK$85,960
+HK$4,304/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,312/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,564
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,164
−HK$2,640/mo
Today · 4.125%
HK$88,804
baseline
▲ 0.50% · 4.625%
HK$94,208
+HK$5,404/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$177,608/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,964
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,458
−HK$2,529/mo
Today · 4.125%
HK$97,987
baseline
▲ 0.50% · 4.625%
HK$103,152
+HK$5,165/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$195,974/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,492
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,524
−HK$3,081/mo
Today · 4.125%
HK$103,605
baseline
▲ 0.50% · 4.625%
HK$109,909
+HK$6,304/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,210/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,458
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,367
−HK$2,951/mo
Today · 4.125%
HK$114,318
baseline
▲ 0.50% · 4.625%
HK$120,344
+HK$6,026/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,636/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,346
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$129,245
−HK$3,962/mo
Today · 4.125%
HK$133,207
baseline
▲ 0.50% · 4.625%
HK$141,312
+HK$8,105/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,414/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,446
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,186
−HK$3,794/mo
Today · 4.125%
HK$146,980
baseline
▲ 0.50% · 4.625%
HK$154,728
+HK$7,748/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$293,960/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,909 · Scale 2, in force from 26 Feb 2026)