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$69,657
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,824
−HK$2,202/mo
Today · 4.125%
HK$74,026
baseline
▲ 0.50% · 4.625%
HK$78,530
+HK$4,504/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,052/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,493
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,572
−HK$2,108/mo
Today · 4.125%
HK$81,680
baseline
▲ 0.50% · 4.625%
HK$85,985
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,360/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,589
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,189
−HK$2,642/mo
Today · 4.125%
HK$88,831
baseline
▲ 0.50% · 4.625%
HK$94,236
+HK$5,405/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,662/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,992
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,486
−HK$2,530/mo
Today · 4.125%
HK$98,016
baseline
▲ 0.50% · 4.625%
HK$103,182
+HK$5,166/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,032/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,520
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,554
−HK$3,082/mo
Today · 4.125%
HK$103,636
baseline
▲ 0.50% · 4.625%
HK$109,942
+HK$6,306/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,272/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,490
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,400
−HK$2,952/mo
Today · 4.125%
HK$114,352
baseline
▲ 0.50% · 4.625%
HK$120,380
+HK$6,028/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,704/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,383
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$129,284
−HK$3,962/mo
Today · 4.125%
HK$133,246
baseline
▲ 0.50% · 4.625%
HK$141,354
+HK$8,108/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,492/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,488
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$143,229
−HK$3,795/mo
Today · 4.125%
HK$147,024
baseline
▲ 0.50% · 4.625%
HK$154,774
+HK$7,750/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$294,048/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,293 · Scale 2, in force from 26 Feb 2026)