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$69,285
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,440
−HK$2,190/mo
Today · 4.125%
HK$73,630
baseline
▲ 0.50% · 4.625%
HK$78,110
+HK$4,480/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,260/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,079
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,146
−HK$2,097/mo
Today · 4.125%
HK$81,243
baseline
▲ 0.50% · 4.625%
HK$85,525
+HK$4,282/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,486/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,142
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,728
−HK$2,627/mo
Today · 4.125%
HK$88,355
baseline
▲ 0.50% · 4.625%
HK$93,732
+HK$5,377/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,710/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,494
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,975
−HK$2,517/mo
Today · 4.125%
HK$97,492
baseline
▲ 0.50% · 4.625%
HK$102,630
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,984/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,999
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,016
−HK$3,065/mo
Today · 4.125%
HK$103,081
baseline
▲ 0.50% · 4.625%
HK$109,354
+HK$6,273/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,162/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,910
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,804
−HK$2,936/mo
Today · 4.125%
HK$113,740
baseline
▲ 0.50% · 4.625%
HK$119,735
+HK$5,995/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,480/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,713
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,592
−HK$3,941/mo
Today · 4.125%
HK$132,533
baseline
▲ 0.50% · 4.625%
HK$140,597
+HK$8,064/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,066/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,741
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,462
−HK$3,775/mo
Today · 4.125%
HK$146,237
baseline
▲ 0.50% · 4.625%
HK$153,946
+HK$7,709/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,474/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,348 · Scale 2, in force from 26 Feb 2026)