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$69,406
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,565
−HK$2,194/mo
Today · 4.125%
HK$73,759
baseline
▲ 0.50% · 4.625%
HK$78,247
+HK$4,488/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,518/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,214
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,285
−HK$2,100/mo
Today · 4.125%
HK$81,385
baseline
▲ 0.50% · 4.625%
HK$85,675
+HK$4,290/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,770/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,288
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,878
−HK$2,632/mo
Today · 4.125%
HK$88,510
baseline
▲ 0.50% · 4.625%
HK$93,896
+HK$5,386/mo
Deposit HK$12.18M · loan HK$18.26M · min. income ≈ HK$177,020/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,657
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,142
−HK$2,521/mo
Today · 4.125%
HK$97,663
baseline
▲ 0.50% · 4.625%
HK$102,811
+HK$5,148/mo
Deposit HK$12.18M · loan HK$18.26M · min. income ≈ HK$195,326/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,169
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,191
−HK$3,071/mo
Today · 4.125%
HK$103,262
baseline
▲ 0.50% · 4.625%
HK$109,545
+HK$6,283/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$206,524/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,099
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$110,999
−HK$2,941/mo
Today · 4.125%
HK$113,940
baseline
▲ 0.50% · 4.625%
HK$119,946
+HK$6,006/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$227,880/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,931
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$128,817
−HK$3,949/mo
Today · 4.125%
HK$132,766
baseline
▲ 0.50% · 4.625%
HK$140,844
+HK$8,078/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,532/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,985
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$142,712
−HK$3,782/mo
Today · 4.125%
HK$146,494
baseline
▲ 0.50% · 4.625%
HK$154,216
+HK$7,722/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,988/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,613 · Scale 2, in force from 26 Feb 2026)