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$68,952
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,097
−HK$2,179/mo
Today · 4.125%
HK$73,276
baseline
▲ 0.50% · 4.625%
HK$77,735
+HK$4,459/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,552/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,285,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,709
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,766
−HK$2,087/mo
Today · 4.125%
HK$80,853
baseline
▲ 0.50% · 4.625%
HK$85,115
+HK$4,262/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,706/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,285,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,743
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,316
−HK$2,615/mo
Today · 4.125%
HK$87,931
baseline
▲ 0.50% · 4.625%
HK$93,282
+HK$5,351/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$175,862/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,050
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,519
−HK$2,504/mo
Today · 4.125%
HK$97,023
baseline
▲ 0.50% · 4.625%
HK$102,138
+HK$5,115/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$194,046/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,533
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,536
−HK$3,050/mo
Today · 4.125%
HK$102,586
baseline
▲ 0.50% · 4.625%
HK$108,829
+HK$6,243/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,172/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,392
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,272
−HK$2,922/mo
Today · 4.125%
HK$113,194
baseline
▲ 0.50% · 4.625%
HK$119,161
+HK$5,967/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,388/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,114
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$127,975
−HK$3,922/mo
Today · 4.125%
HK$131,897
baseline
▲ 0.50% · 4.625%
HK$139,923
+HK$8,026/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,794/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,075
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$141,779
−HK$3,756/mo
Today · 4.125%
HK$145,535
baseline
▲ 0.50% · 4.625%
HK$153,207
+HK$7,672/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,070/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,148 · Scale 2, in force from 26 Feb 2026)