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$69,205
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,357
−HK$2,188/mo
Today · 4.125%
HK$73,545
baseline
▲ 0.50% · 4.625%
HK$78,020
+HK$4,475/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,090/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,990
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,054
−HK$2,095/mo
Today · 4.125%
HK$81,149
baseline
▲ 0.50% · 4.625%
HK$85,427
+HK$4,278/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,298/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,046
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,629
−HK$2,624/mo
Today · 4.125%
HK$88,253
baseline
▲ 0.50% · 4.625%
HK$93,623
+HK$5,370/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,506/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,388
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,865
−HK$2,514/mo
Today · 4.125%
HK$97,379
baseline
▲ 0.50% · 4.625%
HK$102,512
+HK$5,133/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,758/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,887
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,900
−HK$3,062/mo
Today · 4.125%
HK$102,962
baseline
▲ 0.50% · 4.625%
HK$109,227
+HK$6,265/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,924/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,785
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,676
−HK$2,933/mo
Today · 4.125%
HK$113,609
baseline
▲ 0.50% · 4.625%
HK$119,597
+HK$5,988/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,218/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,569
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,443
−HK$3,937/mo
Today · 4.125%
HK$132,380
baseline
▲ 0.50% · 4.625%
HK$140,435
+HK$8,055/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,760/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,581
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,298
−HK$3,770/mo
Today · 4.125%
HK$146,068
baseline
▲ 0.50% · 4.625%
HK$153,768
+HK$7,700/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,136/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,857 · Scale 2, in force from 26 Feb 2026)