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$69,365
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,523
−HK$2,192/mo
Today · 4.125%
HK$73,715
baseline
▲ 0.50% · 4.625%
HK$78,200
+HK$4,485/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,430/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,168
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,238
−HK$2,099/mo
Today · 4.125%
HK$81,337
baseline
▲ 0.50% · 4.625%
HK$85,625
+HK$4,288/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,674/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,238
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,827
−HK$2,631/mo
Today · 4.125%
HK$88,458
baseline
▲ 0.50% · 4.625%
HK$93,840
+HK$5,382/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,916/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,602
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,085
−HK$2,520/mo
Today · 4.125%
HK$97,605
baseline
▲ 0.50% · 4.625%
HK$102,750
+HK$5,145/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,210/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,111
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,132
−HK$3,069/mo
Today · 4.125%
HK$103,201
baseline
▲ 0.50% · 4.625%
HK$109,481
+HK$6,280/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$206,402/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,035
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,933
−HK$2,939/mo
Today · 4.125%
HK$113,872
baseline
▲ 0.50% · 4.625%
HK$119,875
+HK$6,003/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$227,744/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,857
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$128,741
−HK$3,946/mo
Today · 4.125%
HK$132,687
baseline
▲ 0.50% · 4.625%
HK$140,761
+HK$8,074/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,374/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,903
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$142,628
−HK$3,779/mo
Today · 4.125%
HK$146,407
baseline
▲ 0.50% · 4.625%
HK$154,124
+HK$7,717/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,814/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,847 · Scale 2, in force from 26 Feb 2026)