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$69,838
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,010
−HK$2,207/mo
Today · 4.125%
HK$74,217
baseline
▲ 0.50% · 4.625%
HK$78,733
+HK$4,516/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,434/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,694
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,777
−HK$2,114/mo
Today · 4.125%
HK$81,891
baseline
▲ 0.50% · 4.625%
HK$86,208
+HK$4,317/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,782/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,805
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,412
−HK$2,648/mo
Today · 4.125%
HK$89,060
baseline
▲ 0.50% · 4.625%
HK$94,480
+HK$5,420/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,120/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,232
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,733
−HK$2,536/mo
Today · 4.125%
HK$98,269
baseline
▲ 0.50% · 4.625%
HK$103,449
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,538/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,773
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,814
−HK$3,090/mo
Today · 4.125%
HK$103,904
baseline
▲ 0.50% · 4.625%
HK$110,226
+HK$6,322/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,808/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,771
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,688
−HK$2,960/mo
Today · 4.125%
HK$114,648
baseline
▲ 0.50% · 4.625%
HK$120,691
+HK$6,043/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,296/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,708
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,618
−HK$3,973/mo
Today · 4.125%
HK$133,591
baseline
▲ 0.50% · 4.625%
HK$141,719
+HK$8,128/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,182/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,849
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$143,599
−HK$3,805/mo
Today · 4.125%
HK$147,404
baseline
▲ 0.50% · 4.625%
HK$155,174
+HK$7,770/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,808/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,652 · Scale 2, in force from 26 Feb 2026)