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$69,372
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,530
−HK$2,193/mo
Today · 4.125%
HK$73,723
baseline
▲ 0.50% · 4.625%
HK$78,209
+HK$4,486/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,446/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,176
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,246
−HK$2,100/mo
Today · 4.125%
HK$81,346
baseline
▲ 0.50% · 4.625%
HK$85,634
+HK$4,288/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,692/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,247
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,836
−HK$2,631/mo
Today · 4.125%
HK$88,467
baseline
▲ 0.50% · 4.625%
HK$93,850
+HK$5,383/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,934/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,611
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,095
−HK$2,520/mo
Today · 4.125%
HK$97,615
baseline
▲ 0.50% · 4.625%
HK$102,760
+HK$5,145/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,230/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,121
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,142
−HK$3,070/mo
Today · 4.125%
HK$103,212
baseline
▲ 0.50% · 4.625%
HK$109,492
+HK$6,280/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,424/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,047
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,944
−HK$2,940/mo
Today · 4.125%
HK$113,884
baseline
▲ 0.50% · 4.625%
HK$119,887
+HK$6,003/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,768/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,870
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,754
−HK$3,947/mo
Today · 4.125%
HK$132,701
baseline
▲ 0.50% · 4.625%
HK$140,775
+HK$8,074/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,402/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,292,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,917
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,643
−HK$3,779/mo
Today · 4.125%
HK$146,422
baseline
▲ 0.50% · 4.625%
HK$154,140
+HK$7,718/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,844/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,292,981 · Scale 2, in force from 26 Feb 2026)