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$69,294
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,449
−HK$2,190/mo
Today · 4.125%
HK$73,639
baseline
▲ 0.50% · 4.625%
HK$78,120
+HK$4,481/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,278/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,089
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,156
−HK$2,098/mo
Today · 4.125%
HK$81,254
baseline
▲ 0.50% · 4.625%
HK$85,537
+HK$4,283/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,508/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,153
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,739
−HK$2,628/mo
Today · 4.125%
HK$88,367
baseline
▲ 0.50% · 4.625%
HK$93,744
+HK$5,377/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$176,734/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,507
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,988
−HK$2,516/mo
Today · 4.125%
HK$97,504
baseline
▲ 0.50% · 4.625%
HK$102,644
+HK$5,140/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$195,008/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,011
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,029
−HK$3,066/mo
Today · 4.125%
HK$103,095
baseline
▲ 0.50% · 4.625%
HK$109,368
+HK$6,273/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,190/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,924
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,819
−HK$2,936/mo
Today · 4.125%
HK$113,755
baseline
▲ 0.50% · 4.625%
HK$119,751
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,510/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,729
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,609
−HK$3,942/mo
Today · 4.125%
HK$132,551
baseline
▲ 0.50% · 4.625%
HK$140,616
+HK$8,065/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,102/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,760
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,481
−HK$3,776/mo
Today · 4.125%
HK$146,257
baseline
▲ 0.50% · 4.625%
HK$153,966
+HK$7,709/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,514/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,518 · Scale 2, in force from 26 Feb 2026)