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$69,387
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,546
−HK$2,192/mo
Today · 4.125%
HK$73,738
baseline
▲ 0.50% · 4.625%
HK$78,225
+HK$4,487/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,476/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,193
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,263
−HK$2,100/mo
Today · 4.125%
HK$81,363
baseline
▲ 0.50% · 4.625%
HK$85,652
+HK$4,289/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,726/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,265
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,855
−HK$2,631/mo
Today · 4.125%
HK$88,486
baseline
▲ 0.50% · 4.625%
HK$93,870
+HK$5,384/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$176,972/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,631
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,115
−HK$2,521/mo
Today · 4.125%
HK$97,636
baseline
▲ 0.50% · 4.625%
HK$102,782
+HK$5,146/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,272/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,142
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,164
−HK$3,070/mo
Today · 4.125%
HK$103,234
baseline
▲ 0.50% · 4.625%
HK$109,515
+HK$6,281/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,468/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,070
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,968
−HK$2,940/mo
Today · 4.125%
HK$113,908
baseline
▲ 0.50% · 4.625%
HK$119,913
+HK$6,005/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,816/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,897
−HK$7,832/mo
▼ 0.25% · 3.875%
HK$128,782
−HK$3,947/mo
Today · 4.125%
HK$132,729
baseline
▲ 0.50% · 4.625%
HK$140,805
+HK$8,076/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,458/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,947
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,673
−HK$3,780/mo
Today · 4.125%
HK$146,453
baseline
▲ 0.50% · 4.625%
HK$154,173
+HK$7,720/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,906/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,257 · Scale 2, in force from 26 Feb 2026)