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$68,949
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,094
−HK$2,179/mo
Today · 4.125%
HK$73,273
baseline
▲ 0.50% · 4.625%
HK$77,731
+HK$4,458/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,546/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,285,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,705
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,763
−HK$2,087/mo
Today · 4.125%
HK$80,850
baseline
▲ 0.50% · 4.625%
HK$85,111
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,700/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,285,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,739
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,313
−HK$2,615/mo
Today · 4.125%
HK$87,928
baseline
▲ 0.50% · 4.625%
HK$93,278
+HK$5,350/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,856/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,046
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,515
−HK$2,504/mo
Today · 4.125%
HK$97,019
baseline
▲ 0.50% · 4.625%
HK$102,133
+HK$5,114/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$194,038/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,529
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,532
−HK$3,050/mo
Today · 4.125%
HK$102,582
baseline
▲ 0.50% · 4.625%
HK$108,824
+HK$6,242/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,164/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,387
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,268
−HK$2,921/mo
Today · 4.125%
HK$113,189
baseline
▲ 0.50% · 4.625%
HK$119,156
+HK$5,967/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,378/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,109
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$127,969
−HK$3,922/mo
Today · 4.125%
HK$131,891
baseline
▲ 0.50% · 4.625%
HK$139,917
+HK$8,026/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,782/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,070
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$141,773
−HK$3,756/mo
Today · 4.125%
HK$145,529
baseline
▲ 0.50% · 4.625%
HK$153,200
+HK$7,671/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,058/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,094 · Scale 2, in force from 26 Feb 2026)