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$69,011
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,158
−HK$2,181/mo
Today · 4.125%
HK$73,339
baseline
▲ 0.50% · 4.625%
HK$77,802
+HK$4,463/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,678/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,775
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,834
−HK$2,088/mo
Today · 4.125%
HK$80,922
baseline
▲ 0.50% · 4.625%
HK$85,188
+HK$4,266/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,844/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,814
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,390
−HK$2,617/mo
Today · 4.125%
HK$88,007
baseline
▲ 0.50% · 4.625%
HK$93,362
+HK$5,355/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$176,014/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,129
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,600
−HK$2,507/mo
Today · 4.125%
HK$97,107
baseline
▲ 0.50% · 4.625%
HK$102,226
+HK$5,119/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$194,214/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,616
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,621
−HK$3,054/mo
Today · 4.125%
HK$102,675
baseline
▲ 0.50% · 4.625%
HK$108,922
+HK$6,247/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$205,350/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,484
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,367
−HK$2,924/mo
Today · 4.125%
HK$113,291
baseline
▲ 0.50% · 4.625%
HK$119,263
+HK$5,972/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$226,582/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,221
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,085
−HK$3,925/mo
Today · 4.125%
HK$132,010
baseline
▲ 0.50% · 4.625%
HK$140,043
+HK$8,033/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$264,020/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,194
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,900
−HK$3,760/mo
Today · 4.125%
HK$145,660
baseline
▲ 0.50% · 4.625%
HK$153,338
+HK$7,678/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,320/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,254 · Scale 2, in force from 26 Feb 2026)