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$69,611
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,776
−HK$2,200/mo
Today · 4.125%
HK$73,976
baseline
▲ 0.50% · 4.625%
HK$78,478
+HK$4,502/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,952/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,442
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,519
−HK$2,107/mo
Today · 4.125%
HK$81,626
baseline
▲ 0.50% · 4.625%
HK$85,928
+HK$4,302/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,252/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,533
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,132
−HK$2,640/mo
Today · 4.125%
HK$88,772
baseline
▲ 0.50% · 4.625%
HK$94,173
+HK$5,401/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,544/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,930
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,422
−HK$2,529/mo
Today · 4.125%
HK$97,951
baseline
▲ 0.50% · 4.625%
HK$103,114
+HK$5,163/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,902/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,456
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,487
−HK$3,080/mo
Today · 4.125%
HK$103,567
baseline
▲ 0.50% · 4.625%
HK$109,869
+HK$6,302/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,134/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,418
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,326
−HK$2,950/mo
Today · 4.125%
HK$114,276
baseline
▲ 0.50% · 4.625%
HK$120,300
+HK$6,024/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,552/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,300
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,198
−HK$3,960/mo
Today · 4.125%
HK$133,158
baseline
▲ 0.50% · 4.625%
HK$141,260
+HK$8,102/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$266,316/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,395
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,134
−HK$3,792/mo
Today · 4.125%
HK$146,926
baseline
▲ 0.50% · 4.625%
HK$154,671
+HK$7,745/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$293,852/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,431 · Scale 2, in force from 26 Feb 2026)