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$69,323
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,479
−HK$2,191/mo
Today · 4.125%
HK$73,670
baseline
▲ 0.50% · 4.625%
HK$78,153
+HK$4,483/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,340/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,292,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,121
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,190
−HK$2,098/mo
Today · 4.125%
HK$81,288
baseline
▲ 0.50% · 4.625%
HK$85,573
+HK$4,285/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,576/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,292,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,188
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,775
−HK$2,629/mo
Today · 4.125%
HK$88,404
baseline
▲ 0.50% · 4.625%
HK$93,783
+HK$5,379/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,808/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,545
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,027
−HK$2,518/mo
Today · 4.125%
HK$97,545
baseline
▲ 0.50% · 4.625%
HK$102,687
+HK$5,142/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,090/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,052
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,071
−HK$3,067/mo
Today · 4.125%
HK$103,138
baseline
▲ 0.50% · 4.625%
HK$109,414
+HK$6,276/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,276/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,970
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,865
−HK$2,938/mo
Today · 4.125%
HK$113,803
baseline
▲ 0.50% · 4.625%
HK$119,802
+HK$5,999/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,606/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,781
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$128,663
−HK$3,943/mo
Today · 4.125%
HK$132,606
baseline
▲ 0.50% · 4.625%
HK$140,675
+HK$8,069/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,212/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,818
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$142,541
−HK$3,777/mo
Today · 4.125%
HK$146,318
baseline
▲ 0.50% · 4.625%
HK$154,031
+HK$7,713/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,636/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,061 · Scale 2, in force from 26 Feb 2026)