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$69,156
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,307
−HK$2,186/mo
Today · 4.125%
HK$73,493
baseline
▲ 0.50% · 4.625%
HK$77,965
+HK$4,472/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,986/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,935
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$78,999
−HK$2,093/mo
Today · 4.125%
HK$81,092
baseline
▲ 0.50% · 4.625%
HK$85,366
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,184/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,987
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,569
−HK$2,622/mo
Today · 4.125%
HK$88,191
baseline
▲ 0.50% · 4.625%
HK$93,557
+HK$5,366/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,382/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,322
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,798
−HK$2,512/mo
Today · 4.125%
HK$97,310
baseline
▲ 0.50% · 4.625%
HK$102,440
+HK$5,130/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,620/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,818
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,830
−HK$3,060/mo
Today · 4.125%
HK$102,890
baseline
▲ 0.50% · 4.625%
HK$109,150
+HK$6,260/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,780/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,710
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,598
−HK$2,931/mo
Today · 4.125%
HK$113,529
baseline
▲ 0.50% · 4.625%
HK$119,513
+HK$5,984/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,058/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,481
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$128,353
−HK$3,934/mo
Today · 4.125%
HK$132,287
baseline
▲ 0.50% · 4.625%
HK$140,336
+HK$8,049/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,574/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,484
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$142,198
−HK$3,767/mo
Today · 4.125%
HK$145,965
baseline
▲ 0.50% · 4.625%
HK$153,660
+HK$7,695/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$291,930/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,948 · Scale 2, in force from 26 Feb 2026)