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$69,527
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,690
−HK$2,197/mo
Today · 4.125%
HK$73,887
baseline
▲ 0.50% · 4.625%
HK$78,383
+HK$4,496/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,774/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,348
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,423
−HK$2,104/mo
Today · 4.125%
HK$81,527
baseline
▲ 0.50% · 4.625%
HK$85,824
+HK$4,297/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,054/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,433
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,028
−HK$2,636/mo
Today · 4.125%
HK$88,664
baseline
▲ 0.50% · 4.625%
HK$94,059
+HK$5,395/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$177,328/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,818
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,307
−HK$2,525/mo
Today · 4.125%
HK$97,832
baseline
▲ 0.50% · 4.625%
HK$102,989
+HK$5,157/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$195,664/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,338
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,366
−HK$3,076/mo
Today · 4.125%
HK$103,442
baseline
▲ 0.50% · 4.625%
HK$109,736
+HK$6,294/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,884/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,287
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,192
−HK$2,946/mo
Today · 4.125%
HK$114,138
baseline
▲ 0.50% · 4.625%
HK$120,154
+HK$6,016/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,276/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,149
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$129,042
−HK$3,955/mo
Today · 4.125%
HK$132,997
baseline
▲ 0.50% · 4.625%
HK$141,089
+HK$8,092/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,994/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,227
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,961
−HK$3,788/mo
Today · 4.125%
HK$146,749
baseline
▲ 0.50% · 4.625%
HK$154,484
+HK$7,735/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,498/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,864 · Scale 2, in force from 26 Feb 2026)