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$68,968
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,113
−HK$2,180/mo
Today · 4.125%
HK$73,293
baseline
▲ 0.50% · 4.625%
HK$77,752
+HK$4,459/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,586/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,726
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,784
−HK$2,087/mo
Today · 4.125%
HK$80,871
baseline
▲ 0.50% · 4.625%
HK$85,134
+HK$4,263/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,742/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,761
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,336
−HK$2,615/mo
Today · 4.125%
HK$87,951
baseline
▲ 0.50% · 4.625%
HK$93,303
+HK$5,352/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,902/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,071
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,540
−HK$2,505/mo
Today · 4.125%
HK$97,045
baseline
▲ 0.50% · 4.625%
HK$102,161
+HK$5,116/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,090/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,555
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,558
−HK$3,052/mo
Today · 4.125%
HK$102,610
baseline
▲ 0.50% · 4.625%
HK$108,853
+HK$6,243/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,220/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,416
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,297
−HK$2,923/mo
Today · 4.125%
HK$113,220
baseline
▲ 0.50% · 4.625%
HK$119,187
+HK$5,967/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,440/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,142
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$128,003
−HK$3,924/mo
Today · 4.125%
HK$131,927
baseline
▲ 0.50% · 4.625%
HK$139,954
+HK$8,027/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,854/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,106
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,810
−HK$3,758/mo
Today · 4.125%
HK$145,568
baseline
▲ 0.50% · 4.625%
HK$153,241
+HK$7,673/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,136/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,437 · Scale 2, in force from 26 Feb 2026)