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$69,181
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,333
−HK$2,187/mo
Today · 4.125%
HK$73,520
baseline
▲ 0.50% · 4.625%
HK$77,993
+HK$4,473/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,040/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,964
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,028
−HK$2,094/mo
Today · 4.125%
HK$81,122
baseline
▲ 0.50% · 4.625%
HK$85,398
+HK$4,276/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,244/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,018
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,600
−HK$2,624/mo
Today · 4.125%
HK$88,224
baseline
▲ 0.50% · 4.625%
HK$93,592
+HK$5,368/mo
Deposit HK$12.14M · loan HK$18.20M · min. income ≈ HK$176,448/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,356
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,833
−HK$2,513/mo
Today · 4.125%
HK$97,346
baseline
▲ 0.50% · 4.625%
HK$102,477
+HK$5,131/mo
Deposit HK$12.14M · loan HK$18.20M · min. income ≈ HK$194,692/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,854
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,867
−HK$3,061/mo
Today · 4.125%
HK$102,928
baseline
▲ 0.50% · 4.625%
HK$109,190
+HK$6,262/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,856/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,749
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,639
−HK$2,931/mo
Today · 4.125%
HK$113,570
baseline
▲ 0.50% · 4.625%
HK$119,557
+HK$5,987/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,140/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,527
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$128,400
−HK$3,935/mo
Today · 4.125%
HK$132,335
baseline
▲ 0.50% · 4.625%
HK$140,388
+HK$8,053/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,670/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,534
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,250
−HK$3,769/mo
Today · 4.125%
HK$146,019
baseline
▲ 0.50% · 4.625%
HK$153,716
+HK$7,697/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,038/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,421 · Scale 2, in force from 26 Feb 2026)