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$69,376
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,534
−HK$2,192/mo
Today · 4.125%
HK$73,726
baseline
▲ 0.50% · 4.625%
HK$78,212
+HK$4,486/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,452/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,180
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,250
−HK$2,099/mo
Today · 4.125%
HK$81,349
baseline
▲ 0.50% · 4.625%
HK$85,638
+HK$4,289/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,698/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,251
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,840
−HK$2,631/mo
Today · 4.125%
HK$88,471
baseline
▲ 0.50% · 4.625%
HK$93,855
+HK$5,384/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,942/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,616
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,100
−HK$2,519/mo
Today · 4.125%
HK$97,619
baseline
▲ 0.50% · 4.625%
HK$102,765
+HK$5,146/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,238/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,126
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,147
−HK$3,070/mo
Today · 4.125%
HK$103,217
baseline
▲ 0.50% · 4.625%
HK$109,497
+HK$6,280/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,434/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,052
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,949
−HK$2,940/mo
Today · 4.125%
HK$113,889
baseline
▲ 0.50% · 4.625%
HK$119,893
+HK$6,004/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,778/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,876
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,760
−HK$3,947/mo
Today · 4.125%
HK$132,707
baseline
▲ 0.50% · 4.625%
HK$140,782
+HK$8,075/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,414/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,923
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,649
−HK$3,780/mo
Today · 4.125%
HK$146,429
baseline
▲ 0.50% · 4.625%
HK$154,148
+HK$7,719/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,858/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,041 · Scale 2, in force from 26 Feb 2026)