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$69,228
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,381
−HK$2,188/mo
Today · 4.125%
HK$73,569
baseline
▲ 0.50% · 4.625%
HK$78,045
+HK$4,476/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,138/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,015
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,081
−HK$2,095/mo
Today · 4.125%
HK$81,176
baseline
▲ 0.50% · 4.625%
HK$85,455
+HK$4,279/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,352/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,073
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,657
−HK$2,626/mo
Today · 4.125%
HK$88,283
baseline
▲ 0.50% · 4.625%
HK$93,654
+HK$5,371/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$176,566/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,418
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,897
−HK$2,514/mo
Today · 4.125%
HK$97,411
baseline
▲ 0.50% · 4.625%
HK$102,546
+HK$5,135/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$194,822/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,919
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,933
−HK$3,063/mo
Today · 4.125%
HK$102,996
baseline
▲ 0.50% · 4.625%
HK$109,263
+HK$6,267/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,992/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,821
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,713
−HK$2,933/mo
Today · 4.125%
HK$113,646
baseline
▲ 0.50% · 4.625%
HK$119,637
+HK$5,991/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,292/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,610
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$128,486
−HK$3,938/mo
Today · 4.125%
HK$132,424
baseline
▲ 0.50% · 4.625%
HK$140,482
+HK$8,058/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,848/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,627
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$142,345
−HK$3,772/mo
Today · 4.125%
HK$146,117
baseline
▲ 0.50% · 4.625%
HK$153,819
+HK$7,702/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,234/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,283 · Scale 2, in force from 26 Feb 2026)