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$69,537
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,700
−HK$2,198/mo
Today · 4.125%
HK$73,898
baseline
▲ 0.50% · 4.625%
HK$78,394
+HK$4,496/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,796/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,296,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,359
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,434
−HK$2,105/mo
Today · 4.125%
HK$81,539
baseline
▲ 0.50% · 4.625%
HK$85,837
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,078/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,296,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,444
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,040
−HK$2,637/mo
Today · 4.125%
HK$88,677
baseline
▲ 0.50% · 4.625%
HK$94,073
+HK$5,396/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,354/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,296,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,831
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,321
−HK$2,525/mo
Today · 4.125%
HK$97,846
baseline
▲ 0.50% · 4.625%
HK$103,004
+HK$5,158/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,692/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,296,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,352
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,380
−HK$3,077/mo
Today · 4.125%
HK$103,457
baseline
▲ 0.50% · 4.625%
HK$109,752
+HK$6,295/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,914/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,296,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,303
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,208
−HK$2,946/mo
Today · 4.125%
HK$114,154
baseline
▲ 0.50% · 4.625%
HK$120,171
+HK$6,017/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,308/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,296,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,167
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$129,060
−HK$3,956/mo
Today · 4.125%
HK$133,016
baseline
▲ 0.50% · 4.625%
HK$141,109
+HK$8,093/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,032/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,247
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$142,981
−HK$3,789/mo
Today · 4.125%
HK$146,770
baseline
▲ 0.50% · 4.625%
HK$154,506
+HK$7,736/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,540/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,049 · Scale 2, in force from 26 Feb 2026)