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$69,146
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,297
−HK$2,185/mo
Today · 4.125%
HK$73,482
baseline
▲ 0.50% · 4.625%
HK$77,954
+HK$4,472/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,964/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,925
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,988
−HK$2,093/mo
Today · 4.125%
HK$81,081
baseline
▲ 0.50% · 4.625%
HK$85,354
+HK$4,273/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,162/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,976
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,557
−HK$2,622/mo
Today · 4.125%
HK$88,179
baseline
▲ 0.50% · 4.625%
HK$93,544
+HK$5,365/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,358/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,309
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,785
−HK$2,512/mo
Today · 4.125%
HK$97,297
baseline
▲ 0.50% · 4.625%
HK$102,425
+HK$5,128/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,594/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,805
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,816
−HK$3,059/mo
Today · 4.125%
HK$102,875
baseline
▲ 0.50% · 4.625%
HK$109,135
+HK$6,260/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,750/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,694
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,583
−HK$2,930/mo
Today · 4.125%
HK$113,513
baseline
▲ 0.50% · 4.625%
HK$119,496
+HK$5,983/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,026/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,463
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,335
−HK$3,933/mo
Today · 4.125%
HK$132,268
baseline
▲ 0.50% · 4.625%
HK$140,316
+HK$8,048/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,536/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,464
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$142,178
−HK$3,767/mo
Today · 4.125%
HK$145,945
baseline
▲ 0.50% · 4.625%
HK$153,638
+HK$7,693/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,890/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,767 · Scale 2, in force from 26 Feb 2026)