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$69,308
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,463
−HK$2,191/mo
Today · 4.125%
HK$73,654
baseline
▲ 0.50% · 4.625%
HK$78,135
+HK$4,481/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,308/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,104
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,172
−HK$2,098/mo
Today · 4.125%
HK$81,270
baseline
▲ 0.50% · 4.625%
HK$85,553
+HK$4,283/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,540/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,169
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,756
−HK$2,629/mo
Today · 4.125%
HK$88,385
baseline
▲ 0.50% · 4.625%
HK$93,762
+HK$5,377/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,770/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,525
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,006
−HK$2,518/mo
Today · 4.125%
HK$97,524
baseline
▲ 0.50% · 4.625%
HK$102,664
+HK$5,140/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,048/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,031
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,049
−HK$3,066/mo
Today · 4.125%
HK$103,115
baseline
▲ 0.50% · 4.625%
HK$109,390
+HK$6,275/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,230/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,946
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,841
−HK$2,937/mo
Today · 4.125%
HK$113,778
baseline
▲ 0.50% · 4.625%
HK$119,775
+HK$5,997/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,556/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,754
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$128,634
−HK$3,943/mo
Today · 4.125%
HK$132,577
baseline
▲ 0.50% · 4.625%
HK$140,644
+HK$8,067/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,154/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,787
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$142,509
−HK$3,776/mo
Today · 4.125%
HK$146,285
baseline
▲ 0.50% · 4.625%
HK$153,996
+HK$7,711/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,570/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,772 · Scale 2, in force from 26 Feb 2026)