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$69,932
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,107
−HK$2,210/mo
Today · 4.125%
HK$74,317
baseline
▲ 0.50% · 4.625%
HK$78,839
+HK$4,522/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,634/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,799
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,885
−HK$2,117/mo
Today · 4.125%
HK$82,002
baseline
▲ 0.50% · 4.625%
HK$86,324
+HK$4,322/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$164,004/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,918
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,529
−HK$2,652/mo
Today · 4.125%
HK$89,181
baseline
▲ 0.50% · 4.625%
HK$94,607
+HK$5,426/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,362/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,358
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,862
−HK$2,540/mo
Today · 4.125%
HK$98,402
baseline
▲ 0.50% · 4.625%
HK$103,589
+HK$5,187/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,804/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,905
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,950
−HK$3,094/mo
Today · 4.125%
HK$104,044
baseline
▲ 0.50% · 4.625%
HK$110,375
+HK$6,331/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,088/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,918
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,839
−HK$2,964/mo
Today · 4.125%
HK$114,803
baseline
▲ 0.50% · 4.625%
HK$120,854
+HK$6,051/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,606/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,878
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$129,793
−HK$3,978/mo
Today · 4.125%
HK$133,771
baseline
▲ 0.50% · 4.625%
HK$141,911
+HK$8,140/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$267,542/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,038
−HK$7,566/mo
▼ 0.25% · 3.875%
HK$143,793
−HK$3,811/mo
Today · 4.125%
HK$147,604
baseline
▲ 0.50% · 4.625%
HK$155,384
+HK$7,780/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$295,208/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,412 · Scale 2, in force from 26 Feb 2026)