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$68,984
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,130
−HK$2,180/mo
Today · 4.125%
HK$73,310
baseline
▲ 0.50% · 4.625%
HK$77,771
+HK$4,461/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,620/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,744
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,802
−HK$2,088/mo
Today · 4.125%
HK$80,890
baseline
▲ 0.50% · 4.625%
HK$85,154
+HK$4,264/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,780/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,781
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,356
−HK$2,616/mo
Today · 4.125%
HK$87,972
baseline
▲ 0.50% · 4.625%
HK$93,325
+HK$5,353/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,944/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,093
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,563
−HK$2,506/mo
Today · 4.125%
HK$97,069
baseline
▲ 0.50% · 4.625%
HK$102,185
+HK$5,116/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,138/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,578
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,582
−HK$3,052/mo
Today · 4.125%
HK$102,634
baseline
▲ 0.50% · 4.625%
HK$108,879
+HK$6,245/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,268/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,442
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,323
−HK$2,924/mo
Today · 4.125%
HK$113,247
baseline
▲ 0.50% · 4.625%
HK$119,216
+HK$5,969/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,494/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,172
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,034
−HK$3,924/mo
Today · 4.125%
HK$131,958
baseline
▲ 0.50% · 4.625%
HK$139,988
+HK$8,030/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,916/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,140
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,844
−HK$3,759/mo
Today · 4.125%
HK$145,603
baseline
▲ 0.50% · 4.625%
HK$153,278
+HK$7,675/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,206/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,745 · Scale 2, in force from 26 Feb 2026)