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$69,347
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,504
−HK$2,192/mo
Today · 4.125%
HK$73,696
baseline
▲ 0.50% · 4.625%
HK$78,180
+HK$4,484/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,392/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,148
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,217
−HK$2,099/mo
Today · 4.125%
HK$81,316
baseline
▲ 0.50% · 4.625%
HK$85,602
+HK$4,286/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,632/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,216
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,805
−HK$2,630/mo
Today · 4.125%
HK$88,435
baseline
▲ 0.50% · 4.625%
HK$93,816
+HK$5,381/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$176,870/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,577
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,060
−HK$2,519/mo
Today · 4.125%
HK$97,579
baseline
▲ 0.50% · 4.625%
HK$102,722
+HK$5,143/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$195,158/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,086
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,106
−HK$3,068/mo
Today · 4.125%
HK$103,174
baseline
▲ 0.50% · 4.625%
HK$109,452
+HK$6,278/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$206,348/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,007
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,903
−HK$2,939/mo
Today · 4.125%
HK$113,842
baseline
▲ 0.50% · 4.625%
HK$119,843
+HK$6,001/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$227,684/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,824
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$128,707
−HK$3,945/mo
Today · 4.125%
HK$132,652
baseline
▲ 0.50% · 4.625%
HK$140,724
+HK$8,072/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,304/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,866
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,590
−HK$3,778/mo
Today · 4.125%
HK$146,368
baseline
▲ 0.50% · 4.625%
HK$154,084
+HK$7,716/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,736/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,505 · Scale 2, in force from 26 Feb 2026)