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$69,264
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,418
−HK$2,189/mo
Today · 4.125%
HK$73,607
baseline
▲ 0.50% · 4.625%
HK$78,086
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,214/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,055
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,122
−HK$2,096/mo
Today · 4.125%
HK$81,218
baseline
▲ 0.50% · 4.625%
HK$85,499
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,436/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,116
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,702
−HK$2,626/mo
Today · 4.125%
HK$88,328
baseline
▲ 0.50% · 4.625%
HK$93,703
+HK$5,375/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,656/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,466
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,946
−HK$2,516/mo
Today · 4.125%
HK$97,462
baseline
▲ 0.50% · 4.625%
HK$102,599
+HK$5,137/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,924/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,969
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,985
−HK$3,065/mo
Today · 4.125%
HK$103,050
baseline
▲ 0.50% · 4.625%
HK$109,320
+HK$6,270/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,100/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,877
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,770
−HK$2,935/mo
Today · 4.125%
HK$113,705
baseline
▲ 0.50% · 4.625%
HK$119,699
+HK$5,994/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,410/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,674
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,552
−HK$3,941/mo
Today · 4.125%
HK$132,493
baseline
▲ 0.50% · 4.625%
HK$140,554
+HK$8,061/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$264,986/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,699
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,419
−HK$3,773/mo
Today · 4.125%
HK$146,192
baseline
▲ 0.50% · 4.625%
HK$153,898
+HK$7,706/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,384/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,952 · Scale 2, in force from 26 Feb 2026)