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$69,209
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,362
−HK$2,187/mo
Today · 4.125%
HK$73,549
baseline
▲ 0.50% · 4.625%
HK$78,025
+HK$4,476/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,098/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,289,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,995
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,060
−HK$2,095/mo
Today · 4.125%
HK$81,155
baseline
▲ 0.50% · 4.625%
HK$85,432
+HK$4,277/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,310/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,289,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,051
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,635
−HK$2,624/mo
Today · 4.125%
HK$88,259
baseline
▲ 0.50% · 4.625%
HK$93,630
+HK$5,371/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,518/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,394
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,872
−HK$2,514/mo
Today · 4.125%
HK$97,386
baseline
▲ 0.50% · 4.625%
HK$102,519
+HK$5,133/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,772/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,893
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,907
−HK$3,062/mo
Today · 4.125%
HK$102,969
baseline
▲ 0.50% · 4.625%
HK$109,235
+HK$6,266/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,938/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,289,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,793
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,684
−HK$2,932/mo
Today · 4.125%
HK$113,616
baseline
▲ 0.50% · 4.625%
HK$119,605
+HK$5,989/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,232/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,289,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,577
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,452
−HK$3,937/mo
Today · 4.125%
HK$132,389
baseline
▲ 0.50% · 4.625%
HK$140,445
+HK$8,056/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,778/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,289,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,591
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,308
−HK$3,770/mo
Today · 4.125%
HK$146,078
baseline
▲ 0.50% · 4.625%
HK$153,778
+HK$7,700/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,156/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,289,944 · Scale 2, in force from 26 Feb 2026)