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$69,346
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,503
−HK$2,192/mo
Today · 4.125%
HK$73,695
baseline
▲ 0.50% · 4.625%
HK$78,179
+HK$4,484/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,390/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,147
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,216
−HK$2,099/mo
Today · 4.125%
HK$81,315
baseline
▲ 0.50% · 4.625%
HK$85,601
+HK$4,286/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,630/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,216
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,804
−HK$2,630/mo
Today · 4.125%
HK$88,434
baseline
▲ 0.50% · 4.625%
HK$93,815
+HK$5,381/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$176,868/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,577
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,059
−HK$2,519/mo
Today · 4.125%
HK$97,578
baseline
▲ 0.50% · 4.625%
HK$102,722
+HK$5,144/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$195,156/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,085
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,105
−HK$3,068/mo
Today · 4.125%
HK$103,173
baseline
▲ 0.50% · 4.625%
HK$109,451
+HK$6,278/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$206,346/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,006
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,903
−HK$2,938/mo
Today · 4.125%
HK$113,841
baseline
▲ 0.50% · 4.625%
HK$119,842
+HK$6,001/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$227,682/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,823
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$128,706
−HK$3,945/mo
Today · 4.125%
HK$132,651
baseline
▲ 0.50% · 4.625%
HK$140,722
+HK$8,071/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,302/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,865
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,589
−HK$3,778/mo
Today · 4.125%
HK$146,367
baseline
▲ 0.50% · 4.625%
HK$154,083
+HK$7,716/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,734/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,496 · Scale 2, in force from 26 Feb 2026)