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$69,392
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,551
−HK$2,193/mo
Today · 4.125%
HK$73,744
baseline
▲ 0.50% · 4.625%
HK$78,231
+HK$4,487/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,488/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,198
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,269
−HK$2,100/mo
Today · 4.125%
HK$81,369
baseline
▲ 0.50% · 4.625%
HK$85,658
+HK$4,289/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,738/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,271
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,861
−HK$2,632/mo
Today · 4.125%
HK$88,493
baseline
▲ 0.50% · 4.625%
HK$93,877
+HK$5,384/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$176,986/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,638
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,123
−HK$2,520/mo
Today · 4.125%
HK$97,643
baseline
▲ 0.50% · 4.625%
HK$102,790
+HK$5,147/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,286/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,149
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,171
−HK$3,071/mo
Today · 4.125%
HK$103,242
baseline
▲ 0.50% · 4.625%
HK$109,524
+HK$6,282/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,484/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,078
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,976
−HK$2,941/mo
Today · 4.125%
HK$113,917
baseline
▲ 0.50% · 4.625%
HK$119,922
+HK$6,005/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,834/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,906
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,792
−HK$3,947/mo
Today · 4.125%
HK$132,739
baseline
▲ 0.50% · 4.625%
HK$140,816
+HK$8,077/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,478/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,957
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,684
−HK$3,781/mo
Today · 4.125%
HK$146,465
baseline
▲ 0.50% · 4.625%
HK$154,185
+HK$7,720/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,930/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,355 · Scale 2, in force from 26 Feb 2026)