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$69,450
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,610
−HK$2,195/mo
Today · 4.125%
HK$73,805
baseline
▲ 0.50% · 4.625%
HK$78,296
+HK$4,491/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,610/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,262
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,334
−HK$2,102/mo
Today · 4.125%
HK$81,436
baseline
▲ 0.50% · 4.625%
HK$85,729
+HK$4,293/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,872/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,339
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,932
−HK$2,634/mo
Today · 4.125%
HK$88,566
baseline
▲ 0.50% · 4.625%
HK$93,955
+HK$5,389/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,132/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,714
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,201
−HK$2,522/mo
Today · 4.125%
HK$97,723
baseline
▲ 0.50% · 4.625%
HK$102,875
+HK$5,152/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,446/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,229
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,254
−HK$3,073/mo
Today · 4.125%
HK$103,327
baseline
▲ 0.50% · 4.625%
HK$109,614
+HK$6,287/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,654/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,167
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,068
−HK$2,943/mo
Today · 4.125%
HK$114,011
baseline
▲ 0.50% · 4.625%
HK$120,020
+HK$6,009/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$228,022/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,009
−HK$7,839/mo
▼ 0.25% · 3.875%
HK$128,898
−HK$3,950/mo
Today · 4.125%
HK$132,848
baseline
▲ 0.50% · 4.625%
HK$140,932
+HK$8,084/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,696/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,072
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,801
−HK$3,784/mo
Today · 4.125%
HK$146,585
baseline
▲ 0.50% · 4.625%
HK$154,312
+HK$7,727/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,170/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,419 · Scale 2, in force from 26 Feb 2026)