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$69,485
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,646
−HK$2,196/mo
Today · 4.125%
HK$73,842
baseline
▲ 0.50% · 4.625%
HK$78,335
+HK$4,493/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,684/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,301
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,374
−HK$2,103/mo
Today · 4.125%
HK$81,477
baseline
▲ 0.50% · 4.625%
HK$85,772
+HK$4,295/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,954/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,381
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,975
−HK$2,635/mo
Today · 4.125%
HK$88,610
baseline
▲ 0.50% · 4.625%
HK$94,002
+HK$5,392/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,220/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,295,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,761
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,249
−HK$2,524/mo
Today · 4.125%
HK$97,773
baseline
▲ 0.50% · 4.625%
HK$102,926
+HK$5,153/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,546/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,295,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,278
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,304
−HK$3,075/mo
Today · 4.125%
HK$103,379
baseline
▲ 0.50% · 4.625%
HK$109,669
+HK$6,290/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,758/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,221
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,124
−HK$2,944/mo
Today · 4.125%
HK$114,068
baseline
▲ 0.50% · 4.625%
HK$120,081
+HK$6,013/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,136/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,072
−HK$7,843/mo
▼ 0.25% · 3.875%
HK$128,963
−HK$3,952/mo
Today · 4.125%
HK$132,915
baseline
▲ 0.50% · 4.625%
HK$141,003
+HK$8,088/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,830/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,142
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,873
−HK$3,786/mo
Today · 4.125%
HK$146,659
baseline
▲ 0.50% · 4.625%
HK$154,390
+HK$7,731/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,318/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,071 · Scale 2, in force from 26 Feb 2026)