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$69,667
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,834
−HK$2,201/mo
Today · 4.125%
HK$74,035
baseline
▲ 0.50% · 4.625%
HK$78,540
+HK$4,505/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,070/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,503
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,582
−HK$2,109/mo
Today · 4.125%
HK$81,691
baseline
▲ 0.50% · 4.625%
HK$85,997
+HK$4,306/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,382/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,600
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,200
−HK$2,642/mo
Today · 4.125%
HK$88,842
baseline
▲ 0.50% · 4.625%
HK$94,248
+HK$5,406/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,684/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,004
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,498
−HK$2,531/mo
Today · 4.125%
HK$98,029
baseline
▲ 0.50% · 4.625%
HK$103,196
+HK$5,167/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,058/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,533
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,567
−HK$3,082/mo
Today · 4.125%
HK$103,649
baseline
▲ 0.50% · 4.625%
HK$109,956
+HK$6,307/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,298/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,505
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,415
−HK$2,952/mo
Today · 4.125%
HK$114,367
baseline
▲ 0.50% · 4.625%
HK$120,395
+HK$6,028/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,734/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,400
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$129,300
−HK$3,963/mo
Today · 4.125%
HK$133,263
baseline
▲ 0.50% · 4.625%
HK$141,372
+HK$8,109/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$266,526/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,506
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$143,248
−HK$3,795/mo
Today · 4.125%
HK$147,043
baseline
▲ 0.50% · 4.625%
HK$154,794
+HK$7,751/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$294,086/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,464 · Scale 2, in force from 26 Feb 2026)