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$69,020
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,167
−HK$2,182/mo
Today · 4.125%
HK$73,349
baseline
▲ 0.50% · 4.625%
HK$77,812
+HK$4,463/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,698/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,784
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,844
−HK$2,089/mo
Today · 4.125%
HK$80,933
baseline
▲ 0.50% · 4.625%
HK$85,199
+HK$4,266/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,866/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,824
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,401
−HK$2,617/mo
Today · 4.125%
HK$88,018
baseline
▲ 0.50% · 4.625%
HK$93,374
+HK$5,356/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$176,036/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,141
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,613
−HK$2,506/mo
Today · 4.125%
HK$97,119
baseline
▲ 0.50% · 4.625%
HK$102,239
+HK$5,120/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$194,238/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,628
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,634
−HK$3,054/mo
Today · 4.125%
HK$102,688
baseline
▲ 0.50% · 4.625%
HK$108,936
+HK$6,248/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$205,376/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,498
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,381
−HK$2,925/mo
Today · 4.125%
HK$113,306
baseline
▲ 0.50% · 4.625%
HK$119,279
+HK$5,973/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$226,612/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,237
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,101
−HK$3,926/mo
Today · 4.125%
HK$132,027
baseline
▲ 0.50% · 4.625%
HK$140,061
+HK$8,034/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$264,054/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,212
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$141,919
−HK$3,760/mo
Today · 4.125%
HK$145,679
baseline
▲ 0.50% · 4.625%
HK$153,358
+HK$7,679/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,358/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,419 · Scale 2, in force from 26 Feb 2026)