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$69,290
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,445
−HK$2,190/mo
Today · 4.125%
HK$73,635
baseline
▲ 0.50% · 4.625%
HK$78,116
+HK$4,481/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,270/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,085
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,152
−HK$2,097/mo
Today · 4.125%
HK$81,249
baseline
▲ 0.50% · 4.625%
HK$85,532
+HK$4,283/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,498/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,148
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,734
−HK$2,628/mo
Today · 4.125%
HK$88,362
baseline
▲ 0.50% · 4.625%
HK$93,739
+HK$5,377/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,724/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,501
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,982
−HK$2,517/mo
Today · 4.125%
HK$97,499
baseline
▲ 0.50% · 4.625%
HK$102,638
+HK$5,139/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,998/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,006
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,024
−HK$3,065/mo
Today · 4.125%
HK$103,089
baseline
▲ 0.50% · 4.625%
HK$109,362
+HK$6,273/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,178/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,918
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,813
−HK$2,936/mo
Today · 4.125%
HK$113,749
baseline
▲ 0.50% · 4.625%
HK$119,745
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,498/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,722
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,602
−HK$3,941/mo
Today · 4.125%
HK$132,543
baseline
▲ 0.50% · 4.625%
HK$140,608
+HK$8,065/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,086/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,752
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,473
−HK$3,775/mo
Today · 4.125%
HK$146,248
baseline
▲ 0.50% · 4.625%
HK$153,957
+HK$7,709/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,496/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,447 · Scale 2, in force from 26 Feb 2026)