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$69,961
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,138
−HK$2,211/mo
Today · 4.125%
HK$74,349
baseline
▲ 0.50% · 4.625%
HK$78,873
+HK$4,524/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,698/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,831
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,919
−HK$2,117/mo
Today · 4.125%
HK$82,036
baseline
▲ 0.50% · 4.625%
HK$86,361
+HK$4,325/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,072/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,954
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,565
−HK$2,653/mo
Today · 4.125%
HK$89,218
baseline
▲ 0.50% · 4.625%
HK$94,647
+HK$5,429/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,436/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,303,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,398
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,903
−HK$2,541/mo
Today · 4.125%
HK$98,444
baseline
▲ 0.50% · 4.625%
HK$103,633
+HK$5,189/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,888/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,303,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,946
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,993
−HK$3,095/mo
Today · 4.125%
HK$104,088
baseline
▲ 0.50% · 4.625%
HK$110,422
+HK$6,334/mo
Deposit HK$9.20M · loan HK$21.48M · min. income ≈ HK$208,176/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,964
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,886
−HK$2,965/mo
Today · 4.125%
HK$114,851
baseline
▲ 0.50% · 4.625%
HK$120,905
+HK$6,054/mo
Deposit HK$9.20M · loan HK$21.48M · min. income ≈ HK$229,702/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,931
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,848
−HK$3,980/mo
Today · 4.125%
HK$133,828
baseline
▲ 0.50% · 4.625%
HK$141,971
+HK$8,143/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,656/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,097
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$143,854
−HK$3,812/mo
Today · 4.125%
HK$147,666
baseline
▲ 0.50% · 4.625%
HK$155,449
+HK$7,783/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,332/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,960 · Scale 2, in force from 26 Feb 2026)