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$69,513
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,675
−HK$2,197/mo
Today · 4.125%
HK$73,872
baseline
▲ 0.50% · 4.625%
HK$78,367
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,744/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,332
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,406
−HK$2,104/mo
Today · 4.125%
HK$81,510
baseline
▲ 0.50% · 4.625%
HK$85,807
+HK$4,297/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,020/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,415
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,010
−HK$2,636/mo
Today · 4.125%
HK$88,646
baseline
▲ 0.50% · 4.625%
HK$94,040
+HK$5,394/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,292/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,799
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,288
−HK$2,524/mo
Today · 4.125%
HK$97,812
baseline
▲ 0.50% · 4.625%
HK$102,968
+HK$5,156/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,624/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,318
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,345
−HK$3,076/mo
Today · 4.125%
HK$103,421
baseline
▲ 0.50% · 4.625%
HK$109,714
+HK$6,293/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,842/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,265
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,169
−HK$2,945/mo
Today · 4.125%
HK$114,114
baseline
▲ 0.50% · 4.625%
HK$120,130
+HK$6,016/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,228/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,123
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$129,015
−HK$3,954/mo
Today · 4.125%
HK$132,969
baseline
▲ 0.50% · 4.625%
HK$141,060
+HK$8,091/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,938/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,198
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$142,931
−HK$3,788/mo
Today · 4.125%
HK$146,719
baseline
▲ 0.50% · 4.625%
HK$154,452
+HK$7,733/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,438/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,598 · Scale 2, in force from 26 Feb 2026)