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$69,410
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,569
−HK$2,194/mo
Today · 4.125%
HK$73,763
baseline
▲ 0.50% · 4.625%
HK$78,251
+HK$4,488/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,526/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,218
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,289
−HK$2,101/mo
Today · 4.125%
HK$81,390
baseline
▲ 0.50% · 4.625%
HK$85,680
+HK$4,290/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,780/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,292
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,883
−HK$2,632/mo
Today · 4.125%
HK$88,515
baseline
▲ 0.50% · 4.625%
HK$93,901
+HK$5,386/mo
Deposit HK$12.18M · loan HK$18.26M · min. income ≈ HK$177,030/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,662
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,147
−HK$2,521/mo
Today · 4.125%
HK$97,668
baseline
▲ 0.50% · 4.625%
HK$102,816
+HK$5,148/mo
Deposit HK$12.18M · loan HK$18.26M · min. income ≈ HK$195,336/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,174
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,197
−HK$3,071/mo
Today · 4.125%
HK$103,268
baseline
▲ 0.50% · 4.625%
HK$109,552
+HK$6,284/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$206,536/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,105
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,005
−HK$2,941/mo
Today · 4.125%
HK$113,946
baseline
▲ 0.50% · 4.625%
HK$119,952
+HK$6,006/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$227,892/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,938
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$128,825
−HK$3,948/mo
Today · 4.125%
HK$132,773
baseline
▲ 0.50% · 4.625%
HK$140,852
+HK$8,079/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$265,546/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,993
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$142,720
−HK$3,782/mo
Today · 4.125%
HK$146,502
baseline
▲ 0.50% · 4.625%
HK$154,224
+HK$7,722/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$293,004/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,686 · Scale 2, in force from 26 Feb 2026)