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$69,196
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,348
−HK$2,187/mo
Today · 4.125%
HK$73,535
baseline
▲ 0.50% · 4.625%
HK$78,010
+HK$4,475/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,070/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,980
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,044
−HK$2,095/mo
Today · 4.125%
HK$81,139
baseline
▲ 0.50% · 4.625%
HK$85,416
+HK$4,277/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,278/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,035
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,618
−HK$2,624/mo
Today · 4.125%
HK$88,242
baseline
▲ 0.50% · 4.625%
HK$93,612
+HK$5,370/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,484/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,376
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,853
−HK$2,514/mo
Today · 4.125%
HK$97,367
baseline
▲ 0.50% · 4.625%
HK$102,499
+HK$5,132/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,734/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,874
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,888
−HK$3,061/mo
Today · 4.125%
HK$102,949
baseline
▲ 0.50% · 4.625%
HK$109,214
+HK$6,265/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,898/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,772
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,662
−HK$2,932/mo
Today · 4.125%
HK$113,594
baseline
▲ 0.50% · 4.625%
HK$119,582
+HK$5,988/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,188/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,553
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$128,427
−HK$3,936/mo
Today · 4.125%
HK$132,363
baseline
▲ 0.50% · 4.625%
HK$140,417
+HK$8,054/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,726/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,564
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$142,280
−HK$3,770/mo
Today · 4.125%
HK$146,050
baseline
▲ 0.50% · 4.625%
HK$153,748
+HK$7,698/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,100/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,693 · Scale 2, in force from 26 Feb 2026)