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$69,116
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,265
−HK$2,185/mo
Today · 4.125%
HK$73,450
baseline
▲ 0.50% · 4.625%
HK$77,919
+HK$4,469/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,900/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,890
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,953
−HK$2,091/mo
Today · 4.125%
HK$81,044
baseline
▲ 0.50% · 4.625%
HK$85,316
+HK$4,272/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,088/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,939
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,519
−HK$2,621/mo
Today · 4.125%
HK$88,140
baseline
▲ 0.50% · 4.625%
HK$93,503
+HK$5,363/mo
Deposit HK$12.12M · loan HK$18.19M · min. income ≈ HK$176,280/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,268
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,743
−HK$2,510/mo
Today · 4.125%
HK$97,253
baseline
▲ 0.50% · 4.625%
HK$102,380
+HK$5,127/mo
Deposit HK$12.12M · loan HK$18.19M · min. income ≈ HK$194,506/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,762
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,772
−HK$3,058/mo
Today · 4.125%
HK$102,830
baseline
▲ 0.50% · 4.625%
HK$109,087
+HK$6,257/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$205,660/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,646
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,534
−HK$2,928/mo
Today · 4.125%
HK$113,462
baseline
▲ 0.50% · 4.625%
HK$119,443
+HK$5,981/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$226,924/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,408
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,278
−HK$3,931/mo
Today · 4.125%
HK$132,209
baseline
▲ 0.50% · 4.625%
HK$140,254
+HK$8,045/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,418/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,403
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$142,115
−HK$3,765/mo
Today · 4.125%
HK$145,880
baseline
▲ 0.50% · 4.625%
HK$153,570
+HK$7,690/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,760/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,193 · Scale 2, in force from 26 Feb 2026)