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$69,418
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,578
−HK$2,193/mo
Today · 4.125%
HK$73,771
baseline
▲ 0.50% · 4.625%
HK$78,260
+HK$4,489/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,542/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,293,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,227
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,298
−HK$2,102/mo
Today · 4.125%
HK$81,400
baseline
▲ 0.50% · 4.625%
HK$85,690
+HK$4,290/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,800/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,293,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,302
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,893
−HK$2,633/mo
Today · 4.125%
HK$88,526
baseline
▲ 0.50% · 4.625%
HK$93,912
+HK$5,386/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,052/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,673
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,158
−HK$2,521/mo
Today · 4.125%
HK$97,679
baseline
▲ 0.50% · 4.625%
HK$102,828
+HK$5,149/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,358/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,186
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,209
−HK$3,071/mo
Today · 4.125%
HK$103,280
baseline
▲ 0.50% · 4.625%
HK$109,564
+HK$6,284/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$206,560/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,118
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,018
−HK$2,941/mo
Today · 4.125%
HK$113,959
baseline
▲ 0.50% · 4.625%
HK$119,966
+HK$6,007/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$227,918/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,953
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,840
−HK$3,949/mo
Today · 4.125%
HK$132,789
baseline
▲ 0.50% · 4.625%
HK$140,868
+HK$8,079/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$265,578/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,009
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$142,737
−HK$3,782/mo
Today · 4.125%
HK$146,519
baseline
▲ 0.50% · 4.625%
HK$154,242
+HK$7,723/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$293,038/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,836 · Scale 2, in force from 26 Feb 2026)