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$69,014
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,161
−HK$2,181/mo
Today · 4.125%
HK$73,342
baseline
▲ 0.50% · 4.625%
HK$77,805
+HK$4,463/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,684/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,778
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,837
−HK$2,089/mo
Today · 4.125%
HK$80,926
baseline
▲ 0.50% · 4.625%
HK$85,191
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,852/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,817
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,393
−HK$2,617/mo
Today · 4.125%
HK$88,010
baseline
▲ 0.50% · 4.625%
HK$93,366
+HK$5,356/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$176,020/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,133
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,604
−HK$2,507/mo
Today · 4.125%
HK$97,111
baseline
▲ 0.50% · 4.625%
HK$102,230
+HK$5,119/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$194,222/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,620
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,625
−HK$3,054/mo
Today · 4.125%
HK$102,679
baseline
▲ 0.50% · 4.625%
HK$108,926
+HK$6,247/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$205,358/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,489
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,371
−HK$2,925/mo
Today · 4.125%
HK$113,296
baseline
▲ 0.50% · 4.625%
HK$119,268
+HK$5,972/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$226,592/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,225
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$128,090
−HK$3,926/mo
Today · 4.125%
HK$132,016
baseline
▲ 0.50% · 4.625%
HK$140,048
+HK$8,032/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$264,032/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,200
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,906
−HK$3,760/mo
Today · 4.125%
HK$145,666
baseline
▲ 0.50% · 4.625%
HK$153,344
+HK$7,678/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,332/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,304 · Scale 2, in force from 26 Feb 2026)