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$69,274
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,429
−HK$2,190/mo
Today · 4.125%
HK$73,619
baseline
▲ 0.50% · 4.625%
HK$78,098
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,238/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,067
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,134
−HK$2,097/mo
Today · 4.125%
HK$81,231
baseline
▲ 0.50% · 4.625%
HK$85,513
+HK$4,282/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,462/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,129
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,715
−HK$2,627/mo
Today · 4.125%
HK$88,342
baseline
▲ 0.50% · 4.625%
HK$93,718
+HK$5,376/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,684/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,481
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,961
−HK$2,516/mo
Today · 4.125%
HK$97,477
baseline
▲ 0.50% · 4.625%
HK$102,615
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,954/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,984
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,001
−HK$3,065/mo
Today · 4.125%
HK$103,066
baseline
▲ 0.50% · 4.625%
HK$109,337
+HK$6,271/mo
Deposit HK$9.11M · loan HK$21.27M · min. income ≈ HK$206,132/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,894
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,788
−HK$2,935/mo
Today · 4.125%
HK$113,723
baseline
▲ 0.50% · 4.625%
HK$119,718
+HK$5,995/mo
Deposit HK$9.11M · loan HK$21.27M · min. income ≈ HK$227,446/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,694
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,573
−HK$3,940/mo
Today · 4.125%
HK$132,513
baseline
▲ 0.50% · 4.625%
HK$140,577
+HK$8,064/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$265,026/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,721
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,441
−HK$3,775/mo
Today · 4.125%
HK$146,216
baseline
▲ 0.50% · 4.625%
HK$153,923
+HK$7,707/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,432/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,156 · Scale 2, in force from 26 Feb 2026)