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$69,002
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,149
−HK$2,181/mo
Today · 4.125%
HK$73,330
baseline
▲ 0.50% · 4.625%
HK$77,791
+HK$4,461/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,660/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,765
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,823
−HK$2,089/mo
Today · 4.125%
HK$80,912
baseline
▲ 0.50% · 4.625%
HK$85,177
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,824/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,803
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,379
−HK$2,616/mo
Today · 4.125%
HK$87,995
baseline
▲ 0.50% · 4.625%
HK$93,350
+HK$5,355/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$175,990/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,117
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,588
−HK$2,506/mo
Today · 4.125%
HK$97,094
baseline
▲ 0.50% · 4.625%
HK$102,212
+HK$5,118/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$194,188/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,603
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,608
−HK$3,053/mo
Today · 4.125%
HK$102,661
baseline
▲ 0.50% · 4.625%
HK$108,908
+HK$6,247/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,322/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,470
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,353
−HK$2,924/mo
Today · 4.125%
HK$113,277
baseline
▲ 0.50% · 4.625%
HK$119,248
+HK$5,971/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,554/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,204
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,068
−HK$3,925/mo
Today · 4.125%
HK$131,993
baseline
▲ 0.50% · 4.625%
HK$140,025
+HK$8,032/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,986/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,176
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$141,882
−HK$3,759/mo
Today · 4.125%
HK$145,641
baseline
▲ 0.50% · 4.625%
HK$153,318
+HK$7,677/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,282/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,086 · Scale 2, in force from 26 Feb 2026)