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$69,157
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,308
−HK$2,186/mo
Today · 4.125%
HK$73,494
baseline
▲ 0.50% · 4.625%
HK$77,966
+HK$4,472/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,988/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,936
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,000
−HK$2,093/mo
Today · 4.125%
HK$81,093
baseline
▲ 0.50% · 4.625%
HK$85,368
+HK$4,275/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,186/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,988
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,570
−HK$2,622/mo
Today · 4.125%
HK$88,192
baseline
▲ 0.50% · 4.625%
HK$93,559
+HK$5,367/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,384/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,324
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,800
−HK$2,512/mo
Today · 4.125%
HK$97,312
baseline
▲ 0.50% · 4.625%
HK$102,441
+HK$5,129/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,624/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,820
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,831
−HK$3,060/mo
Today · 4.125%
HK$102,891
baseline
▲ 0.50% · 4.625%
HK$109,152
+HK$6,261/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,782/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,711
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,600
−HK$2,930/mo
Today · 4.125%
HK$113,530
baseline
▲ 0.50% · 4.625%
HK$119,515
+HK$5,985/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,060/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,482
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$128,355
−HK$3,934/mo
Today · 4.125%
HK$132,289
baseline
▲ 0.50% · 4.625%
HK$140,338
+HK$8,049/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,578/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,485
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$142,200
−HK$3,767/mo
Today · 4.125%
HK$145,967
baseline
▲ 0.50% · 4.625%
HK$153,662
+HK$7,695/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$291,934/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,964 · Scale 2, in force from 26 Feb 2026)