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$69,208
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,361
−HK$2,187/mo
Today · 4.125%
HK$73,548
baseline
▲ 0.50% · 4.625%
HK$78,024
+HK$4,476/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,096/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,289,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,994
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,058
−HK$2,095/mo
Today · 4.125%
HK$81,153
baseline
▲ 0.50% · 4.625%
HK$85,431
+HK$4,278/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,306/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,289,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,050
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,633
−HK$2,625/mo
Today · 4.125%
HK$88,258
baseline
▲ 0.50% · 4.625%
HK$93,628
+HK$5,370/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,516/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,392
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,870
−HK$2,514/mo
Today · 4.125%
HK$97,384
baseline
▲ 0.50% · 4.625%
HK$102,517
+HK$5,133/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,768/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,892
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,906
−HK$3,062/mo
Today · 4.125%
HK$102,968
baseline
▲ 0.50% · 4.625%
HK$109,233
+HK$6,265/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,936/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,289,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,791
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,682
−HK$2,933/mo
Today · 4.125%
HK$113,615
baseline
▲ 0.50% · 4.625%
HK$119,603
+HK$5,988/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,230/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,289,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,575
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,450
−HK$3,937/mo
Today · 4.125%
HK$132,387
baseline
▲ 0.50% · 4.625%
HK$140,442
+HK$8,055/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,774/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,289,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,588
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$142,305
−HK$3,771/mo
Today · 4.125%
HK$146,076
baseline
▲ 0.50% · 4.625%
HK$153,776
+HK$7,700/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,152/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,289,923 · Scale 2, in force from 26 Feb 2026)