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$69,475
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,636
−HK$2,195/mo
Today · 4.125%
HK$73,831
baseline
▲ 0.50% · 4.625%
HK$78,324
+HK$4,493/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,662/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,290
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,363
−HK$2,102/mo
Today · 4.125%
HK$81,465
baseline
▲ 0.50% · 4.625%
HK$85,760
+HK$4,295/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,930/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,369
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,963
−HK$2,634/mo
Today · 4.125%
HK$88,597
baseline
▲ 0.50% · 4.625%
HK$93,988
+HK$5,391/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,194/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,748
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,235
−HK$2,524/mo
Today · 4.125%
HK$97,759
baseline
▲ 0.50% · 4.625%
HK$102,912
+HK$5,153/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,518/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,264
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,290
−HK$3,074/mo
Today · 4.125%
HK$103,364
baseline
▲ 0.50% · 4.625%
HK$109,653
+HK$6,289/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,728/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,294,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,206
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,108
−HK$2,944/mo
Today · 4.125%
HK$114,052
baseline
▲ 0.50% · 4.625%
HK$120,063
+HK$6,011/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,104/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,294,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,054
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$128,944
−HK$3,952/mo
Today · 4.125%
HK$132,896
baseline
▲ 0.50% · 4.625%
HK$140,983
+HK$8,087/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$265,792/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,122
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$142,853
−HK$3,785/mo
Today · 4.125%
HK$146,638
baseline
▲ 0.50% · 4.625%
HK$154,367
+HK$7,729/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$293,276/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,885 · Scale 2, in force from 26 Feb 2026)