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$69,259
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,414
−HK$2,188/mo
Today · 4.125%
HK$73,602
baseline
▲ 0.50% · 4.625%
HK$78,081
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,204/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,050
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,117
−HK$2,096/mo
Today · 4.125%
HK$81,213
baseline
▲ 0.50% · 4.625%
HK$85,494
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,426/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,111
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,696
−HK$2,627/mo
Today · 4.125%
HK$88,323
baseline
▲ 0.50% · 4.625%
HK$93,697
+HK$5,374/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,646/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,460
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,940
−HK$2,516/mo
Today · 4.125%
HK$97,456
baseline
▲ 0.50% · 4.625%
HK$102,593
+HK$5,137/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,912/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,963
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,979
−HK$3,064/mo
Today · 4.125%
HK$103,043
baseline
▲ 0.50% · 4.625%
HK$109,313
+HK$6,270/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,086/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,870
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,763
−HK$2,935/mo
Today · 4.125%
HK$113,698
baseline
▲ 0.50% · 4.625%
HK$119,691
+HK$5,993/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,396/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,667
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$128,544
−HK$3,940/mo
Today · 4.125%
HK$132,484
baseline
▲ 0.50% · 4.625%
HK$140,546
+HK$8,062/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$264,968/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,690
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,410
−HK$3,773/mo
Today · 4.125%
HK$146,183
baseline
▲ 0.50% · 4.625%
HK$153,889
+HK$7,706/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,366/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,871 · Scale 2, in force from 26 Feb 2026)