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$69,443
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,603
−HK$2,194/mo
Today · 4.125%
HK$73,797
baseline
▲ 0.50% · 4.625%
HK$78,288
+HK$4,491/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,594/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,254
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,326
−HK$2,102/mo
Today · 4.125%
HK$81,428
baseline
▲ 0.50% · 4.625%
HK$85,720
+HK$4,292/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,856/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,331
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,923
−HK$2,634/mo
Today · 4.125%
HK$88,557
baseline
▲ 0.50% · 4.625%
HK$93,945
+HK$5,388/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,114/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,705
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,191
−HK$2,523/mo
Today · 4.125%
HK$97,714
baseline
▲ 0.50% · 4.625%
HK$102,864
+HK$5,150/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,428/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,220
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,244
−HK$3,072/mo
Today · 4.125%
HK$103,316
baseline
▲ 0.50% · 4.625%
HK$109,603
+HK$6,287/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,632/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,156
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,057
−HK$2,942/mo
Today · 4.125%
HK$113,999
baseline
▲ 0.50% · 4.625%
HK$120,008
+HK$6,009/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$227,998/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,997
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,885
−HK$3,950/mo
Today · 4.125%
HK$132,835
baseline
▲ 0.50% · 4.625%
HK$140,918
+HK$8,083/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,670/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,058
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$142,787
−HK$3,783/mo
Today · 4.125%
HK$146,570
baseline
▲ 0.50% · 4.625%
HK$154,296
+HK$7,726/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,140/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,290 · Scale 2, in force from 26 Feb 2026)