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$69,408
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,567
−HK$2,194/mo
Today · 4.125%
HK$73,761
baseline
▲ 0.50% · 4.625%
HK$78,249
+HK$4,488/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,522/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,216
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,287
−HK$2,101/mo
Today · 4.125%
HK$81,388
baseline
▲ 0.50% · 4.625%
HK$85,678
+HK$4,290/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,776/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,290
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,881
−HK$2,632/mo
Today · 4.125%
HK$88,513
baseline
▲ 0.50% · 4.625%
HK$93,899
+HK$5,386/mo
Deposit HK$12.18M · loan HK$18.26M · min. income ≈ HK$177,026/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,659
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,144
−HK$2,521/mo
Today · 4.125%
HK$97,665
baseline
▲ 0.50% · 4.625%
HK$102,813
+HK$5,148/mo
Deposit HK$12.18M · loan HK$18.26M · min. income ≈ HK$195,330/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,172
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,194
−HK$3,071/mo
Today · 4.125%
HK$103,265
baseline
▲ 0.50% · 4.625%
HK$109,549
+HK$6,284/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$206,530/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,102
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,002
−HK$2,941/mo
Today · 4.125%
HK$113,943
baseline
▲ 0.50% · 4.625%
HK$119,949
+HK$6,006/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$227,886/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,935
−HK$7,834/mo
▼ 0.25% · 3.875%
HK$128,821
−HK$3,948/mo
Today · 4.125%
HK$132,769
baseline
▲ 0.50% · 4.625%
HK$140,848
+HK$8,079/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,538/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,989
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$142,716
−HK$3,782/mo
Today · 4.125%
HK$146,498
baseline
▲ 0.50% · 4.625%
HK$154,220
+HK$7,722/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,996/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,650 · Scale 2, in force from 26 Feb 2026)