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$69,132
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,282
−HK$2,185/mo
Today · 4.125%
HK$73,467
baseline
▲ 0.50% · 4.625%
HK$77,937
+HK$4,470/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,934/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,908
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,971
−HK$2,092/mo
Today · 4.125%
HK$81,063
baseline
▲ 0.50% · 4.625%
HK$85,336
+HK$4,273/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,126/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,958
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,539
−HK$2,621/mo
Today · 4.125%
HK$88,160
baseline
▲ 0.50% · 4.625%
HK$93,525
+HK$5,365/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,320/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,290
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,765
−HK$2,511/mo
Today · 4.125%
HK$97,276
baseline
▲ 0.50% · 4.625%
HK$102,404
+HK$5,128/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,552/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,784
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,795
−HK$3,059/mo
Today · 4.125%
HK$102,854
baseline
▲ 0.50% · 4.625%
HK$109,112
+HK$6,258/mo
Deposit HK$9.10M · loan HK$21.22M · min. income ≈ HK$205,708/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,672
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,559
−HK$2,930/mo
Today · 4.125%
HK$113,489
baseline
▲ 0.50% · 4.625%
HK$119,471
+HK$5,982/mo
Deposit HK$9.10M · loan HK$21.22M · min. income ≈ HK$226,978/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,437
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$128,308
−HK$3,932/mo
Today · 4.125%
HK$132,240
baseline
▲ 0.50% · 4.625%
HK$140,287
+HK$8,047/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,480/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,435
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$142,148
−HK$3,766/mo
Today · 4.125%
HK$145,914
baseline
▲ 0.50% · 4.625%
HK$153,606
+HK$7,692/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,828/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,495 · Scale 2, in force from 26 Feb 2026)