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$68,955
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,100
−HK$2,179/mo
Today · 4.125%
HK$73,279
baseline
▲ 0.50% · 4.625%
HK$77,738
+HK$4,459/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,558/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,712
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,769
−HK$2,087/mo
Today · 4.125%
HK$80,856
baseline
▲ 0.50% · 4.625%
HK$85,118
+HK$4,262/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,712/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,746
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,320
−HK$2,615/mo
Today · 4.125%
HK$87,935
baseline
▲ 0.50% · 4.625%
HK$93,286
+HK$5,351/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$175,870/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,054
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,523
−HK$2,505/mo
Today · 4.125%
HK$97,028
baseline
▲ 0.50% · 4.625%
HK$102,142
+HK$5,114/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$194,056/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,537
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,540
−HK$3,051/mo
Today · 4.125%
HK$102,591
baseline
▲ 0.50% · 4.625%
HK$108,833
+HK$6,242/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,182/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,397
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,277
−HK$2,922/mo
Today · 4.125%
HK$113,199
baseline
▲ 0.50% · 4.625%
HK$119,166
+HK$5,967/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,398/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,119
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$127,980
−HK$3,922/mo
Today · 4.125%
HK$131,902
baseline
▲ 0.50% · 4.625%
HK$139,928
+HK$8,026/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,804/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,081
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$141,785
−HK$3,756/mo
Today · 4.125%
HK$145,541
baseline
▲ 0.50% · 4.625%
HK$153,213
+HK$7,672/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,082/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,203 · Scale 2, in force from 26 Feb 2026)