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$69,174
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,326
−HK$2,186/mo
Today · 4.125%
HK$73,512
baseline
▲ 0.50% · 4.625%
HK$77,985
+HK$4,473/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,024/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,955
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,019
−HK$2,094/mo
Today · 4.125%
HK$81,113
baseline
▲ 0.50% · 4.625%
HK$85,389
+HK$4,276/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,226/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,009
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,591
−HK$2,623/mo
Today · 4.125%
HK$88,214
baseline
▲ 0.50% · 4.625%
HK$93,582
+HK$5,368/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,428/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,347
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,823
−HK$2,513/mo
Today · 4.125%
HK$97,336
baseline
▲ 0.50% · 4.625%
HK$102,466
+HK$5,130/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,672/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,844
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,856
−HK$3,061/mo
Today · 4.125%
HK$102,917
baseline
▲ 0.50% · 4.625%
HK$109,179
+HK$6,262/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,834/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,738
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,627
−HK$2,931/mo
Today · 4.125%
HK$113,558
baseline
▲ 0.50% · 4.625%
HK$119,544
+HK$5,986/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,116/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,513
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$128,386
−HK$3,935/mo
Today · 4.125%
HK$132,321
baseline
▲ 0.50% · 4.625%
HK$140,373
+HK$8,052/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,642/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,520
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$142,235
−HK$3,769/mo
Today · 4.125%
HK$146,004
baseline
▲ 0.50% · 4.625%
HK$153,700
+HK$7,696/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$292,008/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,285 · Scale 2, in force from 26 Feb 2026)