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$69,604
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,769
−HK$2,199/mo
Today · 4.125%
HK$73,968
baseline
▲ 0.50% · 4.625%
HK$78,469
+HK$4,501/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,936/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,433
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,510
−HK$2,107/mo
Today · 4.125%
HK$81,617
baseline
▲ 0.50% · 4.625%
HK$85,919
+HK$4,302/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,234/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,524
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,122
−HK$2,640/mo
Today · 4.125%
HK$88,762
baseline
▲ 0.50% · 4.625%
HK$94,163
+HK$5,401/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$177,524/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,920
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,412
−HK$2,528/mo
Today · 4.125%
HK$97,940
baseline
▲ 0.50% · 4.625%
HK$103,103
+HK$5,163/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$195,880/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,445
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,476
−HK$3,080/mo
Today · 4.125%
HK$103,556
baseline
▲ 0.50% · 4.625%
HK$109,857
+HK$6,301/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,112/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,407
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,314
−HK$2,949/mo
Today · 4.125%
HK$114,263
baseline
▲ 0.50% · 4.625%
HK$120,286
+HK$6,023/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,526/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,286
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$129,184
−HK$3,959/mo
Today · 4.125%
HK$133,143
baseline
▲ 0.50% · 4.625%
HK$141,244
+HK$8,101/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$266,286/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,380
−HK$7,530/mo
▼ 0.25% · 3.875%
HK$143,118
−HK$3,792/mo
Today · 4.125%
HK$146,910
baseline
▲ 0.50% · 4.625%
HK$154,654
+HK$7,744/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$293,820/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,289 · Scale 2, in force from 26 Feb 2026)