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$69,791
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,962
−HK$2,206/mo
Today · 4.125%
HK$74,168
baseline
▲ 0.50% · 4.625%
HK$78,681
+HK$4,513/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,336/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,642
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,724
−HK$2,113/mo
Today · 4.125%
HK$81,837
baseline
▲ 0.50% · 4.625%
HK$86,151
+HK$4,314/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,674/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,750
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,355
−HK$2,646/mo
Today · 4.125%
HK$89,001
baseline
▲ 0.50% · 4.625%
HK$94,417
+HK$5,416/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$178,002/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,171
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,669
−HK$2,535/mo
Today · 4.125%
HK$98,204
baseline
▲ 0.50% · 4.625%
HK$103,381
+HK$5,177/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,408/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,708
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,747
−HK$3,088/mo
Today · 4.125%
HK$103,835
baseline
▲ 0.50% · 4.625%
HK$110,153
+HK$6,318/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,670/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,699
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,614
−HK$2,958/mo
Today · 4.125%
HK$114,572
baseline
▲ 0.50% · 4.625%
HK$120,611
+HK$6,039/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,144/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,624
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,532
−HK$3,970/mo
Today · 4.125%
HK$133,502
baseline
▲ 0.50% · 4.625%
HK$141,625
+HK$8,123/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$267,004/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,756
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$143,504
−HK$3,802/mo
Today · 4.125%
HK$147,306
baseline
▲ 0.50% · 4.625%
HK$155,071
+HK$7,765/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$294,612/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,789 · Scale 2, in force from 26 Feb 2026)