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$69,282
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,438
−HK$2,189/mo
Today · 4.125%
HK$73,627
baseline
▲ 0.50% · 4.625%
HK$78,107
+HK$4,480/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,254/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,076
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,143
−HK$2,097/mo
Today · 4.125%
HK$81,240
baseline
▲ 0.50% · 4.625%
HK$85,522
+HK$4,282/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,480/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,139
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,725
−HK$2,627/mo
Today · 4.125%
HK$88,352
baseline
▲ 0.50% · 4.625%
HK$93,729
+HK$5,377/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,704/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,491
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,972
−HK$2,516/mo
Today · 4.125%
HK$97,488
baseline
▲ 0.50% · 4.625%
HK$102,627
+HK$5,139/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,976/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,995
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,013
−HK$3,065/mo
Today · 4.125%
HK$103,078
baseline
▲ 0.50% · 4.625%
HK$109,350
+HK$6,272/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,156/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,906
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,800
−HK$2,936/mo
Today · 4.125%
HK$113,736
baseline
▲ 0.50% · 4.625%
HK$119,731
+HK$5,995/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,472/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,708
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,588
−HK$3,941/mo
Today · 4.125%
HK$132,529
baseline
▲ 0.50% · 4.625%
HK$140,593
+HK$8,064/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,058/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,737
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,458
−HK$3,774/mo
Today · 4.125%
HK$146,232
baseline
▲ 0.50% · 4.625%
HK$153,940
+HK$7,708/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,464/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,304 · Scale 2, in force from 26 Feb 2026)