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$69,120
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,270
−HK$2,185/mo
Today · 4.125%
HK$73,455
baseline
▲ 0.50% · 4.625%
HK$77,924
+HK$4,469/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,910/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,896
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,958
−HK$2,092/mo
Today · 4.125%
HK$81,050
baseline
▲ 0.50% · 4.625%
HK$85,322
+HK$4,272/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,100/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,944
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,524
−HK$2,622/mo
Today · 4.125%
HK$88,146
baseline
▲ 0.50% · 4.625%
HK$93,509
+HK$5,363/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,292/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,275
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,750
−HK$2,510/mo
Today · 4.125%
HK$97,260
baseline
▲ 0.50% · 4.625%
HK$102,387
+HK$5,127/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,520/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,769
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,779
−HK$3,058/mo
Today · 4.125%
HK$102,837
baseline
▲ 0.50% · 4.625%
HK$109,094
+HK$6,257/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$205,674/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,654
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,541
−HK$2,929/mo
Today · 4.125%
HK$113,470
baseline
▲ 0.50% · 4.625%
HK$119,451
+HK$5,981/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$226,940/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,417
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$128,287
−HK$3,932/mo
Today · 4.125%
HK$132,219
baseline
▲ 0.50% · 4.625%
HK$140,264
+HK$8,045/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,438/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,412
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,124
−HK$3,766/mo
Today · 4.125%
HK$145,890
baseline
▲ 0.50% · 4.625%
HK$153,580
+HK$7,690/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,780/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,283 · Scale 2, in force from 26 Feb 2026)