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$69,267
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,422
−HK$2,189/mo
Today · 4.125%
HK$73,611
baseline
▲ 0.50% · 4.625%
HK$78,090
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,222/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,059
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,126
−HK$2,096/mo
Today · 4.125%
HK$81,222
baseline
▲ 0.50% · 4.625%
HK$85,503
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,444/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,120
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,706
−HK$2,627/mo
Today · 4.125%
HK$88,333
baseline
▲ 0.50% · 4.625%
HK$93,708
+HK$5,375/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,666/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,471
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,951
−HK$2,516/mo
Today · 4.125%
HK$97,467
baseline
▲ 0.50% · 4.625%
HK$102,604
+HK$5,137/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,934/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,974
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,990
−HK$3,065/mo
Today · 4.125%
HK$103,055
baseline
▲ 0.50% · 4.625%
HK$109,326
+HK$6,271/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,110/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,291,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,882
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,776
−HK$2,935/mo
Today · 4.125%
HK$113,711
baseline
▲ 0.50% · 4.625%
HK$119,705
+HK$5,994/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,422/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,291,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,681
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,559
−HK$3,940/mo
Today · 4.125%
HK$132,499
baseline
▲ 0.50% · 4.625%
HK$140,562
+HK$8,063/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$264,998/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,706
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,426
−HK$3,774/mo
Today · 4.125%
HK$146,200
baseline
▲ 0.50% · 4.625%
HK$153,906
+HK$7,706/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,400/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,018 · Scale 2, in force from 26 Feb 2026)