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$69,389
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,547
−HK$2,193/mo
Today · 4.125%
HK$73,740
baseline
▲ 0.50% · 4.625%
HK$78,227
+HK$4,487/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,480/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,194
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,265
−HK$2,100/mo
Today · 4.125%
HK$81,365
baseline
▲ 0.50% · 4.625%
HK$85,654
+HK$4,289/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,730/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,267
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,857
−HK$2,631/mo
Today · 4.125%
HK$88,488
baseline
▲ 0.50% · 4.625%
HK$93,872
+HK$5,384/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$176,976/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,633
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,118
−HK$2,520/mo
Today · 4.125%
HK$97,638
baseline
▲ 0.50% · 4.625%
HK$102,785
+HK$5,147/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,276/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,144
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,166
−HK$3,070/mo
Today · 4.125%
HK$103,236
baseline
▲ 0.50% · 4.625%
HK$109,518
+HK$6,282/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,472/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,072
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,971
−HK$2,940/mo
Today · 4.125%
HK$113,911
baseline
▲ 0.50% · 4.625%
HK$119,915
+HK$6,004/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,822/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,900
−HK$7,832/mo
▼ 0.25% · 3.875%
HK$128,785
−HK$3,947/mo
Today · 4.125%
HK$132,732
baseline
▲ 0.50% · 4.625%
HK$140,809
+HK$8,077/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,464/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,950
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$142,676
−HK$3,781/mo
Today · 4.125%
HK$146,457
baseline
▲ 0.50% · 4.625%
HK$154,177
+HK$7,720/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,914/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,286 · Scale 2, in force from 26 Feb 2026)