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$69,056
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,204
−HK$2,183/mo
Today · 4.125%
HK$73,387
baseline
▲ 0.50% · 4.625%
HK$77,852
+HK$4,465/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,774/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,824
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,885
−HK$2,090/mo
Today · 4.125%
HK$80,975
baseline
▲ 0.50% · 4.625%
HK$85,243
+HK$4,268/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,950/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,867
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,445
−HK$2,619/mo
Today · 4.125%
HK$88,064
baseline
▲ 0.50% · 4.625%
HK$93,422
+HK$5,358/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$176,128/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,189
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,662
−HK$2,508/mo
Today · 4.125%
HK$97,170
baseline
▲ 0.50% · 4.625%
HK$102,292
+HK$5,122/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$194,340/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,679
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$99,686
−HK$3,055/mo
Today · 4.125%
HK$102,741
baseline
▲ 0.50% · 4.625%
HK$108,993
+HK$6,252/mo
Deposit HK$9.09M · loan HK$21.20M · min. income ≈ HK$205,482/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,554
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,438
−HK$2,927/mo
Today · 4.125%
HK$113,365
baseline
▲ 0.50% · 4.625%
HK$119,340
+HK$5,975/mo
Deposit HK$9.09M · loan HK$21.20M · min. income ≈ HK$226,730/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,301
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$128,167
−HK$3,929/mo
Today · 4.125%
HK$132,096
baseline
▲ 0.50% · 4.625%
HK$140,133
+HK$8,037/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$264,192/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,284
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$141,992
−HK$3,763/mo
Today · 4.125%
HK$145,755
baseline
▲ 0.50% · 4.625%
HK$153,438
+HK$7,683/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$291,510/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,086 · Scale 2, in force from 26 Feb 2026)