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$69,378
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,536
−HK$2,192/mo
Today · 4.125%
HK$73,728
baseline
▲ 0.50% · 4.625%
HK$78,214
+HK$4,486/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,456/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,182
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,252
−HK$2,100/mo
Today · 4.125%
HK$81,352
baseline
▲ 0.50% · 4.625%
HK$85,640
+HK$4,288/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,704/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,253
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,843
−HK$2,631/mo
Today · 4.125%
HK$88,474
baseline
▲ 0.50% · 4.625%
HK$93,857
+HK$5,383/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$176,948/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,618
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,102
−HK$2,520/mo
Today · 4.125%
HK$97,622
baseline
▲ 0.50% · 4.625%
HK$102,768
+HK$5,146/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,244/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,129
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,150
−HK$3,069/mo
Today · 4.125%
HK$103,219
baseline
▲ 0.50% · 4.625%
HK$109,500
+HK$6,281/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,438/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,054
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,952
−HK$2,940/mo
Today · 4.125%
HK$113,892
baseline
▲ 0.50% · 4.625%
HK$119,896
+HK$6,004/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,784/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,880
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,764
−HK$3,947/mo
Today · 4.125%
HK$132,711
baseline
▲ 0.50% · 4.625%
HK$140,786
+HK$8,075/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,422/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,927
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,653
−HK$3,780/mo
Today · 4.125%
HK$146,433
baseline
▲ 0.50% · 4.625%
HK$154,152
+HK$7,719/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,866/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,076 · Scale 2, in force from 26 Feb 2026)