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$69,984
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,161
−HK$2,211/mo
Today · 4.125%
HK$74,372
baseline
▲ 0.50% · 4.625%
HK$78,898
+HK$4,526/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,744/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,856
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,944
−HK$2,119/mo
Today · 4.125%
HK$82,063
baseline
▲ 0.50% · 4.625%
HK$86,388
+HK$4,325/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,126/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,980
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,593
−HK$2,654/mo
Today · 4.125%
HK$89,247
baseline
▲ 0.50% · 4.625%
HK$94,677
+HK$5,430/mo
Deposit HK$12.28M · loan HK$18.41M · min. income ≈ HK$178,494/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,427
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,933
−HK$2,542/mo
Today · 4.125%
HK$98,475
baseline
▲ 0.50% · 4.625%
HK$103,666
+HK$5,191/mo
Deposit HK$12.28M · loan HK$18.41M · min. income ≈ HK$196,950/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,977
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,025
−HK$3,096/mo
Today · 4.125%
HK$104,121
baseline
▲ 0.50% · 4.625%
HK$110,457
+HK$6,336/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$208,242/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,999
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,922
−HK$2,966/mo
Today · 4.125%
HK$114,888
baseline
▲ 0.50% · 4.625%
HK$120,943
+HK$6,055/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$229,776/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,971
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$129,889
−HK$3,981/mo
Today · 4.125%
HK$133,870
baseline
▲ 0.50% · 4.625%
HK$142,016
+HK$8,146/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$267,740/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,141
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,900
−HK$3,813/mo
Today · 4.125%
HK$147,713
baseline
▲ 0.50% · 4.625%
HK$155,499
+HK$7,786/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$295,426/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,375 · Scale 2, in force from 26 Feb 2026)