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$69,424
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,584
−HK$2,194/mo
Today · 4.125%
HK$73,778
baseline
▲ 0.50% · 4.625%
HK$78,267
+HK$4,489/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,556/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,293,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,234
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,305
−HK$2,102/mo
Today · 4.125%
HK$81,407
baseline
▲ 0.50% · 4.625%
HK$85,698
+HK$4,291/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,814/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,293,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,309
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,901
−HK$2,633/mo
Today · 4.125%
HK$88,534
baseline
▲ 0.50% · 4.625%
HK$93,921
+HK$5,387/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,068/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,681
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,166
−HK$2,522/mo
Today · 4.125%
HK$97,688
baseline
▲ 0.50% · 4.625%
HK$102,837
+HK$5,149/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,376/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,194
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$100,217
−HK$3,072/mo
Today · 4.125%
HK$103,289
baseline
▲ 0.50% · 4.625%
HK$109,574
+HK$6,285/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$206,578/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,128
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,027
−HK$2,942/mo
Today · 4.125%
HK$113,969
baseline
▲ 0.50% · 4.625%
HK$119,977
+HK$6,008/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$227,938/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,964
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,851
−HK$3,949/mo
Today · 4.125%
HK$132,800
baseline
▲ 0.50% · 4.625%
HK$140,881
+HK$8,081/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$265,600/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,021
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$142,750
−HK$3,782/mo
Today · 4.125%
HK$146,532
baseline
▲ 0.50% · 4.625%
HK$154,256
+HK$7,724/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$293,064/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,950 · Scale 2, in force from 26 Feb 2026)