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$69,573
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,737
−HK$2,199/mo
Today · 4.125%
HK$73,936
baseline
▲ 0.50% · 4.625%
HK$78,435
+HK$4,499/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,872/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,399
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,475
−HK$2,106/mo
Today · 4.125%
HK$81,581
baseline
▲ 0.50% · 4.625%
HK$85,881
+HK$4,300/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,162/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,488
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,085
−HK$2,638/mo
Today · 4.125%
HK$88,723
baseline
▲ 0.50% · 4.625%
HK$94,122
+HK$5,399/mo
Deposit HK$12.20M · loan HK$18.31M · min. income ≈ HK$177,446/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,879
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,370
−HK$2,527/mo
Today · 4.125%
HK$97,897
baseline
▲ 0.50% · 4.625%
HK$103,058
+HK$5,161/mo
Deposit HK$12.20M · loan HK$18.31M · min. income ≈ HK$195,794/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,402
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,432
−HK$3,078/mo
Today · 4.125%
HK$103,510
baseline
▲ 0.50% · 4.625%
HK$109,809
+HK$6,299/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$207,020/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,359
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,265
−HK$2,949/mo
Today · 4.125%
HK$114,214
baseline
▲ 0.50% · 4.625%
HK$120,234
+HK$6,020/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$228,428/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,232
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,127
−HK$3,958/mo
Today · 4.125%
HK$133,085
baseline
▲ 0.50% · 4.625%
HK$141,183
+HK$8,098/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$266,170/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,319
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,055
−HK$3,791/mo
Today · 4.125%
HK$146,846
baseline
▲ 0.50% · 4.625%
HK$154,586
+HK$7,740/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$293,692/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,723 · Scale 2, in force from 26 Feb 2026)