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$69,577
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,741
−HK$2,199/mo
Today · 4.125%
HK$73,940
baseline
▲ 0.50% · 4.625%
HK$78,439
+HK$4,499/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,880/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,404
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,480
−HK$2,106/mo
Today · 4.125%
HK$81,586
baseline
▲ 0.50% · 4.625%
HK$85,886
+HK$4,300/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,172/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,493
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,090
−HK$2,638/mo
Today · 4.125%
HK$88,728
baseline
▲ 0.50% · 4.625%
HK$94,127
+HK$5,399/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$177,456/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,885
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,376
−HK$2,527/mo
Today · 4.125%
HK$97,903
baseline
▲ 0.50% · 4.625%
HK$103,063
+HK$5,160/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$195,806/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,408
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,438
−HK$3,078/mo
Today · 4.125%
HK$103,516
baseline
▲ 0.50% · 4.625%
HK$109,815
+HK$6,299/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$207,032/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,365
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,272
−HK$2,948/mo
Today · 4.125%
HK$114,220
baseline
▲ 0.50% · 4.625%
HK$120,241
+HK$6,021/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$228,440/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,239
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,134
−HK$3,958/mo
Today · 4.125%
HK$133,092
baseline
▲ 0.50% · 4.625%
HK$141,191
+HK$8,099/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$266,184/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,327
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,064
−HK$3,790/mo
Today · 4.125%
HK$146,854
baseline
▲ 0.50% · 4.625%
HK$154,595
+HK$7,741/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$293,708/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,797 · Scale 2, in force from 26 Feb 2026)