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$69,359
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,517
−HK$2,192/mo
Today · 4.125%
HK$73,709
baseline
▲ 0.50% · 4.625%
HK$78,194
+HK$4,485/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,418/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,162
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,231
−HK$2,100/mo
Today · 4.125%
HK$81,331
baseline
▲ 0.50% · 4.625%
HK$85,618
+HK$4,287/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,662/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,231
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,820
−HK$2,631/mo
Today · 4.125%
HK$88,451
baseline
▲ 0.50% · 4.625%
HK$93,833
+HK$5,382/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,902/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,594
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,077
−HK$2,520/mo
Today · 4.125%
HK$97,597
baseline
▲ 0.50% · 4.625%
HK$102,741
+HK$5,144/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,194/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,103
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,124
−HK$3,068/mo
Today · 4.125%
HK$103,192
baseline
▲ 0.50% · 4.625%
HK$109,472
+HK$6,280/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$206,384/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,026
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,924
−HK$2,939/mo
Today · 4.125%
HK$113,863
baseline
▲ 0.50% · 4.625%
HK$119,865
+HK$6,002/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$227,726/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,847
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$128,730
−HK$3,946/mo
Today · 4.125%
HK$132,676
baseline
▲ 0.50% · 4.625%
HK$140,749
+HK$8,073/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,352/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,891
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$142,616
−HK$3,779/mo
Today · 4.125%
HK$146,395
baseline
▲ 0.50% · 4.625%
HK$154,112
+HK$7,717/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,790/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,740 · Scale 2, in force from 26 Feb 2026)