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$69,167
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,318
−HK$2,186/mo
Today · 4.125%
HK$73,504
baseline
▲ 0.50% · 4.625%
HK$77,976
+HK$4,472/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,008/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,947
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,011
−HK$2,093/mo
Today · 4.125%
HK$81,104
baseline
▲ 0.50% · 4.625%
HK$85,379
+HK$4,275/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,208/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,000
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,582
−HK$2,623/mo
Today · 4.125%
HK$88,205
baseline
▲ 0.50% · 4.625%
HK$93,572
+HK$5,367/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,410/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,337
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,813
−HK$2,512/mo
Today · 4.125%
HK$97,325
baseline
▲ 0.50% · 4.625%
HK$102,455
+HK$5,130/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,650/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,833
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,845
−HK$3,060/mo
Today · 4.125%
HK$102,905
baseline
▲ 0.50% · 4.625%
HK$109,167
+HK$6,262/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,810/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,726
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,615
−HK$2,931/mo
Today · 4.125%
HK$113,546
baseline
▲ 0.50% · 4.625%
HK$119,531
+HK$5,985/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,092/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,500
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$128,372
−HK$3,935/mo
Today · 4.125%
HK$132,307
baseline
▲ 0.50% · 4.625%
HK$140,358
+HK$8,051/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,614/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,505
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,219
−HK$3,769/mo
Today · 4.125%
HK$145,988
baseline
▲ 0.50% · 4.625%
HK$153,683
+HK$7,695/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$291,976/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,144 · Scale 2, in force from 26 Feb 2026)