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$69,173
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,325
−HK$2,186/mo
Today · 4.125%
HK$73,511
baseline
▲ 0.50% · 4.625%
HK$77,984
+HK$4,473/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,022/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,954
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,018
−HK$2,094/mo
Today · 4.125%
HK$81,112
baseline
▲ 0.50% · 4.625%
HK$85,387
+HK$4,275/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,224/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,008
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,590
−HK$2,623/mo
Today · 4.125%
HK$88,213
baseline
▲ 0.50% · 4.625%
HK$93,580
+HK$5,367/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,426/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,345
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,822
−HK$2,512/mo
Today · 4.125%
HK$97,334
baseline
▲ 0.50% · 4.625%
HK$102,465
+HK$5,131/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,668/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,842
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,854
−HK$3,061/mo
Today · 4.125%
HK$102,915
baseline
▲ 0.50% · 4.625%
HK$109,177
+HK$6,262/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,830/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,736
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,625
−HK$2,931/mo
Today · 4.125%
HK$113,556
baseline
▲ 0.50% · 4.625%
HK$119,542
+HK$5,986/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,112/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,511
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$128,384
−HK$3,935/mo
Today · 4.125%
HK$132,319
baseline
▲ 0.50% · 4.625%
HK$140,371
+HK$8,052/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,638/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,518
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,232
−HK$3,769/mo
Today · 4.125%
HK$146,001
baseline
▲ 0.50% · 4.625%
HK$153,697
+HK$7,696/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$292,002/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,263 · Scale 2, in force from 26 Feb 2026)