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$69,642
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,808
−HK$2,201/mo
Today · 4.125%
HK$74,009
baseline
▲ 0.50% · 4.625%
HK$78,512
+HK$4,503/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,018/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,475
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,553
−HK$2,108/mo
Today · 4.125%
HK$81,661
baseline
▲ 0.50% · 4.625%
HK$85,966
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,322/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,570
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,169
−HK$2,641/mo
Today · 4.125%
HK$88,810
baseline
▲ 0.50% · 4.625%
HK$94,214
+HK$5,404/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$177,620/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,971
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,464
−HK$2,530/mo
Today · 4.125%
HK$97,994
baseline
▲ 0.50% · 4.625%
HK$103,159
+HK$5,165/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$195,988/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,498
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,531
−HK$3,081/mo
Today · 4.125%
HK$103,612
baseline
▲ 0.50% · 4.625%
HK$109,917
+HK$6,305/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,224/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,466
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,375
−HK$2,951/mo
Today · 4.125%
HK$114,326
baseline
▲ 0.50% · 4.625%
HK$120,352
+HK$6,026/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,652/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,355
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$129,254
−HK$3,962/mo
Today · 4.125%
HK$133,216
baseline
▲ 0.50% · 4.625%
HK$141,321
+HK$8,105/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,432/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,456
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,196
−HK$3,794/mo
Today · 4.125%
HK$146,990
baseline
▲ 0.50% · 4.625%
HK$154,738
+HK$7,748/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$293,980/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,997 · Scale 2, in force from 26 Feb 2026)