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$69,592
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,756
−HK$2,200/mo
Today · 4.125%
HK$73,956
baseline
▲ 0.50% · 4.625%
HK$78,456
+HK$4,500/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,912/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,420
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,496
−HK$2,107/mo
Today · 4.125%
HK$81,603
baseline
▲ 0.50% · 4.625%
HK$85,904
+HK$4,301/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,206/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,510
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,107
−HK$2,640/mo
Today · 4.125%
HK$88,747
baseline
▲ 0.50% · 4.625%
HK$94,147
+HK$5,400/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$177,494/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,297,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,904
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,395
−HK$2,528/mo
Today · 4.125%
HK$97,923
baseline
▲ 0.50% · 4.625%
HK$103,085
+HK$5,162/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$195,846/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,297,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,428
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,459
−HK$3,079/mo
Today · 4.125%
HK$103,538
baseline
▲ 0.50% · 4.625%
HK$109,838
+HK$6,300/mo
Deposit HK$9.16M · loan HK$21.36M · min. income ≈ HK$207,076/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,388
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,295
−HK$2,949/mo
Today · 4.125%
HK$114,244
baseline
▲ 0.50% · 4.625%
HK$120,266
+HK$6,022/mo
Deposit HK$9.16M · loan HK$21.36M · min. income ≈ HK$228,488/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,265
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$129,161
−HK$3,959/mo
Today · 4.125%
HK$133,120
baseline
▲ 0.50% · 4.625%
HK$141,220
+HK$8,100/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$266,240/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,356
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$143,093
−HK$3,792/mo
Today · 4.125%
HK$146,885
baseline
▲ 0.50% · 4.625%
HK$154,627
+HK$7,742/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$293,770/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,065 · Scale 2, in force from 26 Feb 2026)