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$68,972
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,117
−HK$2,180/mo
Today · 4.125%
HK$73,297
baseline
▲ 0.50% · 4.625%
HK$77,757
+HK$4,460/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,594/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,731
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,789
−HK$2,087/mo
Today · 4.125%
HK$80,876
baseline
▲ 0.50% · 4.625%
HK$85,139
+HK$4,263/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,752/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,766
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,341
−HK$2,616/mo
Today · 4.125%
HK$87,957
baseline
▲ 0.50% · 4.625%
HK$93,309
+HK$5,352/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,914/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,077
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,546
−HK$2,505/mo
Today · 4.125%
HK$97,051
baseline
▲ 0.50% · 4.625%
HK$102,167
+HK$5,116/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,102/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,561
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,564
−HK$3,052/mo
Today · 4.125%
HK$102,616
baseline
▲ 0.50% · 4.625%
HK$108,860
+HK$6,244/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,232/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,423
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,304
−HK$2,923/mo
Today · 4.125%
HK$113,227
baseline
▲ 0.50% · 4.625%
HK$119,195
+HK$5,968/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,454/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,150
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$128,011
−HK$3,924/mo
Today · 4.125%
HK$131,935
baseline
▲ 0.50% · 4.625%
HK$139,963
+HK$8,028/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,870/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,115
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,819
−HK$3,758/mo
Today · 4.125%
HK$145,577
baseline
▲ 0.50% · 4.625%
HK$153,251
+HK$7,674/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,154/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,518 · Scale 2, in force from 26 Feb 2026)