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$69,138
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,289
−HK$2,185/mo
Today · 4.125%
HK$73,474
baseline
▲ 0.50% · 4.625%
HK$77,945
+HK$4,471/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,948/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,916
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,979
−HK$2,092/mo
Today · 4.125%
HK$81,071
baseline
▲ 0.50% · 4.625%
HK$85,345
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,142/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,966
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,547
−HK$2,622/mo
Today · 4.125%
HK$88,169
baseline
▲ 0.50% · 4.625%
HK$93,534
+HK$5,365/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,338/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,299
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,774
−HK$2,512/mo
Today · 4.125%
HK$97,286
baseline
▲ 0.50% · 4.625%
HK$102,414
+HK$5,128/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,572/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,794
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,805
−HK$3,059/mo
Today · 4.125%
HK$102,864
baseline
▲ 0.50% · 4.625%
HK$109,123
+HK$6,259/mo
Deposit HK$9.10M · loan HK$21.22M · min. income ≈ HK$205,728/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,682
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,570
−HK$2,930/mo
Today · 4.125%
HK$113,500
baseline
▲ 0.50% · 4.625%
HK$119,483
+HK$5,983/mo
Deposit HK$9.10M · loan HK$21.22M · min. income ≈ HK$227,000/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,449
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$128,320
−HK$3,933/mo
Today · 4.125%
HK$132,253
baseline
▲ 0.50% · 4.625%
HK$140,300
+HK$8,047/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,506/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,448
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,162
−HK$3,766/mo
Today · 4.125%
HK$145,928
baseline
▲ 0.50% · 4.625%
HK$153,620
+HK$7,692/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,856/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,620 · Scale 2, in force from 26 Feb 2026)