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$69,505
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,667
−HK$2,196/mo
Today · 4.125%
HK$73,863
baseline
▲ 0.50% · 4.625%
HK$78,358
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,726/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,323
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,397
−HK$2,104/mo
Today · 4.125%
HK$81,501
baseline
▲ 0.50% · 4.625%
HK$85,797
+HK$4,296/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,002/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,405
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,000
−HK$2,636/mo
Today · 4.125%
HK$88,636
baseline
▲ 0.50% · 4.625%
HK$94,029
+HK$5,393/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,272/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,788
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,276
−HK$2,525/mo
Today · 4.125%
HK$97,801
baseline
▲ 0.50% · 4.625%
HK$102,956
+HK$5,155/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,602/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,306
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,333
−HK$3,075/mo
Today · 4.125%
HK$103,408
baseline
▲ 0.50% · 4.625%
HK$109,701
+HK$6,293/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$206,816/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,252
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,156
−HK$2,945/mo
Today · 4.125%
HK$114,101
baseline
▲ 0.50% · 4.625%
HK$120,115
+HK$6,014/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$228,202/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,108
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$129,000
−HK$3,954/mo
Today · 4.125%
HK$132,954
baseline
▲ 0.50% · 4.625%
HK$141,044
+HK$8,090/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,908/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,182
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$142,914
−HK$3,787/mo
Today · 4.125%
HK$146,701
baseline
▲ 0.50% · 4.625%
HK$154,434
+HK$7,733/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,402/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,445 · Scale 2, in force from 26 Feb 2026)