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$69,519
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,682
−HK$2,197/mo
Today · 4.125%
HK$73,879
baseline
▲ 0.50% · 4.625%
HK$78,374
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,758/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,339
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,413
−HK$2,105/mo
Today · 4.125%
HK$81,518
baseline
▲ 0.50% · 4.625%
HK$85,815
+HK$4,297/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,036/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,423
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,018
−HK$2,636/mo
Today · 4.125%
HK$88,654
baseline
▲ 0.50% · 4.625%
HK$94,049
+HK$5,395/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,308/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,807
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,296
−HK$2,525/mo
Today · 4.125%
HK$97,821
baseline
▲ 0.50% · 4.625%
HK$102,977
+HK$5,156/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,642/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,327
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,354
−HK$3,076/mo
Today · 4.125%
HK$103,430
baseline
▲ 0.50% · 4.625%
HK$109,723
+HK$6,293/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,860/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,275
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,179
−HK$2,946/mo
Today · 4.125%
HK$114,125
baseline
▲ 0.50% · 4.625%
HK$120,140
+HK$6,015/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,250/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,134
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$129,027
−HK$3,954/mo
Today · 4.125%
HK$132,981
baseline
▲ 0.50% · 4.625%
HK$141,073
+HK$8,092/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,962/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,211
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$142,944
−HK$3,788/mo
Today · 4.125%
HK$146,732
baseline
▲ 0.50% · 4.625%
HK$154,466
+HK$7,734/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,464/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,715 · Scale 2, in force from 26 Feb 2026)