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$69,247
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,401
−HK$2,188/mo
Today · 4.125%
HK$73,589
baseline
▲ 0.50% · 4.625%
HK$78,067
+HK$4,478/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,178/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,036
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,103
−HK$2,096/mo
Today · 4.125%
HK$81,199
baseline
▲ 0.50% · 4.625%
HK$85,479
+HK$4,280/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,398/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,096
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,681
−HK$2,626/mo
Today · 4.125%
HK$88,307
baseline
▲ 0.50% · 4.625%
HK$93,680
+HK$5,373/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,614/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,444
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,923
−HK$2,515/mo
Today · 4.125%
HK$97,438
baseline
▲ 0.50% · 4.625%
HK$102,574
+HK$5,136/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,876/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,946
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,961
−HK$3,064/mo
Today · 4.125%
HK$103,025
baseline
▲ 0.50% · 4.625%
HK$109,294
+HK$6,269/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,050/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,851
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,744
−HK$2,934/mo
Today · 4.125%
HK$113,678
baseline
▲ 0.50% · 4.625%
HK$119,670
+HK$5,992/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,356/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,644
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$128,522
−HK$3,939/mo
Today · 4.125%
HK$132,461
baseline
▲ 0.50% · 4.625%
HK$140,521
+HK$8,060/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$264,922/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,666
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$142,385
−HK$3,772/mo
Today · 4.125%
HK$146,157
baseline
▲ 0.50% · 4.625%
HK$153,861
+HK$7,704/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$292,314/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,642 · Scale 2, in force from 26 Feb 2026)