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$69,480
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,641
−HK$2,196/mo
Today · 4.125%
HK$73,837
baseline
▲ 0.50% · 4.625%
HK$78,330
+HK$4,493/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,674/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,296
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,369
−HK$2,103/mo
Today · 4.125%
HK$81,472
baseline
▲ 0.50% · 4.625%
HK$85,766
+HK$4,294/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,944/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,376
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,969
−HK$2,635/mo
Today · 4.125%
HK$88,604
baseline
▲ 0.50% · 4.625%
HK$93,995
+HK$5,391/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,208/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,755
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,242
−HK$2,524/mo
Today · 4.125%
HK$97,766
baseline
▲ 0.50% · 4.625%
HK$102,919
+HK$5,153/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,532/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,272
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,297
−HK$3,074/mo
Today · 4.125%
HK$103,371
baseline
▲ 0.50% · 4.625%
HK$109,661
+HK$6,290/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,742/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,294,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,214
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,116
−HK$2,944/mo
Today · 4.125%
HK$114,060
baseline
▲ 0.50% · 4.625%
HK$120,072
+HK$6,012/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,120/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,294,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,064
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$128,954
−HK$3,952/mo
Today · 4.125%
HK$132,906
baseline
▲ 0.50% · 4.625%
HK$140,993
+HK$8,087/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$265,812/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,132
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,863
−HK$3,786/mo
Today · 4.125%
HK$146,649
baseline
▲ 0.50% · 4.625%
HK$154,379
+HK$7,730/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$293,298/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,982 · Scale 2, in force from 26 Feb 2026)