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$69,459
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,619
−HK$2,195/mo
Today · 4.125%
HK$73,814
baseline
▲ 0.50% · 4.625%
HK$78,306
+HK$4,492/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,628/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,272
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,344
−HK$2,103/mo
Today · 4.125%
HK$81,447
baseline
▲ 0.50% · 4.625%
HK$85,740
+HK$4,293/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,894/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,350
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,943
−HK$2,634/mo
Today · 4.125%
HK$88,577
baseline
▲ 0.50% · 4.625%
HK$93,967
+HK$5,390/mo
Deposit HK$12.18M · loan HK$18.28M · min. income ≈ HK$177,154/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,726
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,213
−HK$2,523/mo
Today · 4.125%
HK$97,736
baseline
▲ 0.50% · 4.625%
HK$102,888
+HK$5,152/mo
Deposit HK$12.18M · loan HK$18.28M · min. income ≈ HK$195,472/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,242
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,267
−HK$3,073/mo
Today · 4.125%
HK$103,340
baseline
▲ 0.50% · 4.625%
HK$109,628
+HK$6,288/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,680/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,181
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,082
−HK$2,943/mo
Today · 4.125%
HK$114,025
baseline
▲ 0.50% · 4.625%
HK$120,036
+HK$6,011/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$228,050/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,025
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$128,914
−HK$3,951/mo
Today · 4.125%
HK$132,865
baseline
▲ 0.50% · 4.625%
HK$140,950
+HK$8,085/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,730/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,089
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$142,820
−HK$3,784/mo
Today · 4.125%
HK$146,604
baseline
▲ 0.50% · 4.625%
HK$154,332
+HK$7,728/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,208/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,586 · Scale 2, in force from 26 Feb 2026)