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$69,737
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,906
−HK$2,204/mo
Today · 4.125%
HK$74,110
baseline
▲ 0.50% · 4.625%
HK$78,619
+HK$4,509/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,220/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,581
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,662
−HK$2,111/mo
Today · 4.125%
HK$81,773
baseline
▲ 0.50% · 4.625%
HK$86,083
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,546/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,684
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,287
−HK$2,645/mo
Today · 4.125%
HK$88,932
baseline
▲ 0.50% · 4.625%
HK$94,343
+HK$5,411/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,864/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,098
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,595
−HK$2,532/mo
Today · 4.125%
HK$98,127
baseline
▲ 0.50% · 4.625%
HK$103,300
+HK$5,173/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,254/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,631
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,668
−HK$3,086/mo
Today · 4.125%
HK$103,754
baseline
▲ 0.50% · 4.625%
HK$110,067
+HK$6,313/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$207,508/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,614
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,527
−HK$2,955/mo
Today · 4.125%
HK$114,482
baseline
▲ 0.50% · 4.625%
HK$120,517
+HK$6,035/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$228,964/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,526
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,431
−HK$3,967/mo
Today · 4.125%
HK$133,398
baseline
▲ 0.50% · 4.625%
HK$141,515
+HK$8,117/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,796/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,647
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,392
−HK$3,799/mo
Today · 4.125%
HK$147,191
baseline
▲ 0.50% · 4.625%
HK$154,950
+HK$7,759/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,382/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,771 · Scale 2, in force from 26 Feb 2026)