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$69,398
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,557
−HK$2,193/mo
Today · 4.125%
HK$73,750
baseline
▲ 0.50% · 4.625%
HK$78,237
+HK$4,487/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,500/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,205
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,275
−HK$2,101/mo
Today · 4.125%
HK$81,376
baseline
▲ 0.50% · 4.625%
HK$85,665
+HK$4,289/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,752/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,278
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,868
−HK$2,632/mo
Today · 4.125%
HK$88,500
baseline
▲ 0.50% · 4.625%
HK$93,885
+HK$5,385/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$177,000/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,646
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,130
−HK$2,521/mo
Today · 4.125%
HK$97,651
baseline
▲ 0.50% · 4.625%
HK$102,798
+HK$5,147/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,302/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,157
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,179
−HK$3,071/mo
Today · 4.125%
HK$103,250
baseline
▲ 0.50% · 4.625%
HK$109,532
+HK$6,282/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,500/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,087
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,985
−HK$2,941/mo
Today · 4.125%
HK$113,926
baseline
▲ 0.50% · 4.625%
HK$119,931
+HK$6,005/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,852/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,917
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,802
−HK$3,948/mo
Today · 4.125%
HK$132,750
baseline
▲ 0.50% · 4.625%
HK$140,827
+HK$8,077/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,500/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,968
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,695
−HK$3,781/mo
Today · 4.125%
HK$146,476
baseline
▲ 0.50% · 4.625%
HK$154,197
+HK$7,721/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,952/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,459 · Scale 2, in force from 26 Feb 2026)