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$69,379
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,537
−HK$2,192/mo
Today · 4.125%
HK$73,729
baseline
▲ 0.50% · 4.625%
HK$78,216
+HK$4,487/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,458/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,183
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,253
−HK$2,100/mo
Today · 4.125%
HK$81,353
baseline
▲ 0.50% · 4.625%
HK$85,641
+HK$4,288/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,706/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,255
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,844
−HK$2,631/mo
Today · 4.125%
HK$88,475
baseline
▲ 0.50% · 4.625%
HK$93,859
+HK$5,384/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$176,950/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,620
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,104
−HK$2,520/mo
Today · 4.125%
HK$97,624
baseline
▲ 0.50% · 4.625%
HK$102,770
+HK$5,146/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,248/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,130
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,152
−HK$3,069/mo
Today · 4.125%
HK$103,221
baseline
▲ 0.50% · 4.625%
HK$109,502
+HK$6,281/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,442/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,056
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,954
−HK$2,940/mo
Today · 4.125%
HK$113,894
baseline
▲ 0.50% · 4.625%
HK$119,898
+HK$6,004/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,788/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,882
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,766
−HK$3,947/mo
Today · 4.125%
HK$132,713
baseline
▲ 0.50% · 4.625%
HK$140,788
+HK$8,075/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,426/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,930
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,656
−HK$3,780/mo
Today · 4.125%
HK$146,436
baseline
▲ 0.50% · 4.625%
HK$154,155
+HK$7,719/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,872/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,100 · Scale 2, in force from 26 Feb 2026)