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$69,168
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,320
−HK$2,186/mo
Today · 4.125%
HK$73,506
baseline
▲ 0.50% · 4.625%
HK$77,978
+HK$4,472/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,012/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,949
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,013
−HK$2,093/mo
Today · 4.125%
HK$81,106
baseline
▲ 0.50% · 4.625%
HK$85,382
+HK$4,276/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,212/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,002
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,584
−HK$2,623/mo
Today · 4.125%
HK$88,207
baseline
▲ 0.50% · 4.625%
HK$93,574
+HK$5,367/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,414/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,339
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,815
−HK$2,513/mo
Today · 4.125%
HK$97,328
baseline
▲ 0.50% · 4.625%
HK$102,458
+HK$5,130/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,656/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,836
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,848
−HK$3,060/mo
Today · 4.125%
HK$102,908
baseline
▲ 0.50% · 4.625%
HK$109,170
+HK$6,262/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,816/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,729
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,618
−HK$2,931/mo
Today · 4.125%
HK$113,549
baseline
▲ 0.50% · 4.625%
HK$119,534
+HK$5,985/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,098/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,503
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$128,376
−HK$3,934/mo
Today · 4.125%
HK$132,310
baseline
▲ 0.50% · 4.625%
HK$140,361
+HK$8,051/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,620/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,508
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,223
−HK$3,768/mo
Today · 4.125%
HK$145,991
baseline
▲ 0.50% · 4.625%
HK$153,687
+HK$7,696/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$291,982/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,177 · Scale 2, in force from 26 Feb 2026)