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$68,975
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,120
−HK$2,180/mo
Today · 4.125%
HK$73,300
baseline
▲ 0.50% · 4.625%
HK$77,760
+HK$4,460/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,600/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,734
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,792
−HK$2,087/mo
Today · 4.125%
HK$80,879
baseline
▲ 0.50% · 4.625%
HK$85,143
+HK$4,264/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,758/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,770
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,344
−HK$2,616/mo
Today · 4.125%
HK$87,960
baseline
▲ 0.50% · 4.625%
HK$93,312
+HK$5,352/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,920/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,081
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,550
−HK$2,505/mo
Today · 4.125%
HK$97,055
baseline
▲ 0.50% · 4.625%
HK$102,171
+HK$5,116/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,110/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,565
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,568
−HK$3,052/mo
Today · 4.125%
HK$102,620
baseline
▲ 0.50% · 4.625%
HK$108,864
+HK$6,244/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,240/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,427
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,308
−HK$2,923/mo
Today · 4.125%
HK$113,231
baseline
▲ 0.50% · 4.625%
HK$119,200
+HK$5,969/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,462/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,155
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$128,017
−HK$3,923/mo
Today · 4.125%
HK$131,940
baseline
▲ 0.50% · 4.625%
HK$139,969
+HK$8,029/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,880/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,121
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,825
−HK$3,758/mo
Today · 4.125%
HK$145,583
baseline
▲ 0.50% · 4.625%
HK$153,257
+HK$7,674/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,166/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,571 · Scale 2, in force from 26 Feb 2026)