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$69,512
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,674
−HK$2,197/mo
Today · 4.125%
HK$73,871
baseline
▲ 0.50% · 4.625%
HK$78,366
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,742/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,331
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,405
−HK$2,104/mo
Today · 4.125%
HK$81,509
baseline
▲ 0.50% · 4.625%
HK$85,806
+HK$4,297/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,018/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,414
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,009
−HK$2,636/mo
Today · 4.125%
HK$88,645
baseline
▲ 0.50% · 4.625%
HK$94,039
+HK$5,394/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,290/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,798
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,286
−HK$2,525/mo
Today · 4.125%
HK$97,811
baseline
▲ 0.50% · 4.625%
HK$102,967
+HK$5,156/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,622/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,317
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,344
−HK$3,075/mo
Today · 4.125%
HK$103,419
baseline
▲ 0.50% · 4.625%
HK$109,712
+HK$6,293/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,838/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,264
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,168
−HK$2,945/mo
Today · 4.125%
HK$114,113
baseline
▲ 0.50% · 4.625%
HK$120,128
+HK$6,015/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,226/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,122
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$129,014
−HK$3,954/mo
Today · 4.125%
HK$132,968
baseline
▲ 0.50% · 4.625%
HK$141,059
+HK$8,091/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,936/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,197
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,930
−HK$3,787/mo
Today · 4.125%
HK$146,717
baseline
▲ 0.50% · 4.625%
HK$154,451
+HK$7,734/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,434/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,583 · Scale 2, in force from 26 Feb 2026)