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$69,516
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,678
−HK$2,197/mo
Today · 4.125%
HK$73,875
baseline
▲ 0.50% · 4.625%
HK$78,370
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,750/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,336
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,410
−HK$2,104/mo
Today · 4.125%
HK$81,514
baseline
▲ 0.50% · 4.625%
HK$85,811
+HK$4,297/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,028/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,419
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,014
−HK$2,636/mo
Today · 4.125%
HK$88,650
baseline
▲ 0.50% · 4.625%
HK$94,045
+HK$5,395/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,300/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,803
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,292
−HK$2,525/mo
Today · 4.125%
HK$97,817
baseline
▲ 0.50% · 4.625%
HK$102,973
+HK$5,156/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,634/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,322
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,350
−HK$3,075/mo
Today · 4.125%
HK$103,425
baseline
▲ 0.50% · 4.625%
HK$109,719
+HK$6,294/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,850/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,270
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,174
−HK$2,946/mo
Today · 4.125%
HK$114,120
baseline
▲ 0.50% · 4.625%
HK$120,135
+HK$6,015/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,240/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,129
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$129,021
−HK$3,955/mo
Today · 4.125%
HK$132,976
baseline
▲ 0.50% · 4.625%
HK$141,067
+HK$8,091/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,952/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,205
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,938
−HK$3,787/mo
Today · 4.125%
HK$146,725
baseline
▲ 0.50% · 4.625%
HK$154,459
+HK$7,734/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,450/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,658 · Scale 2, in force from 26 Feb 2026)