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$69,248
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,402
−HK$2,188/mo
Today · 4.125%
HK$73,590
baseline
▲ 0.50% · 4.625%
HK$78,068
+HK$4,478/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,180/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,037
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,104
−HK$2,096/mo
Today · 4.125%
HK$81,200
baseline
▲ 0.50% · 4.625%
HK$85,480
+HK$4,280/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,400/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,097
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,682
−HK$2,626/mo
Today · 4.125%
HK$88,308
baseline
▲ 0.50% · 4.625%
HK$93,682
+HK$5,374/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,616/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,445
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,924
−HK$2,515/mo
Today · 4.125%
HK$97,439
baseline
▲ 0.50% · 4.625%
HK$102,576
+HK$5,137/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,878/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,947
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,963
−HK$3,063/mo
Today · 4.125%
HK$103,026
baseline
▲ 0.50% · 4.625%
HK$109,295
+HK$6,269/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,052/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,852
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,745
−HK$2,934/mo
Today · 4.125%
HK$113,679
baseline
▲ 0.50% · 4.625%
HK$119,672
+HK$5,993/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,358/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,646
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$128,523
−HK$3,939/mo
Today · 4.125%
HK$132,462
baseline
▲ 0.50% · 4.625%
HK$140,522
+HK$8,060/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$264,924/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,667
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$142,386
−HK$3,773/mo
Today · 4.125%
HK$146,159
baseline
▲ 0.50% · 4.625%
HK$153,863
+HK$7,704/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$292,318/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,659 · Scale 2, in force from 26 Feb 2026)