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$69,277
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,432
−HK$2,190/mo
Today · 4.125%
HK$73,622
baseline
▲ 0.50% · 4.625%
HK$78,101
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,244/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,070
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,137
−HK$2,097/mo
Today · 4.125%
HK$81,234
baseline
▲ 0.50% · 4.625%
HK$85,516
+HK$4,282/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,468/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,133
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,719
−HK$2,627/mo
Today · 4.125%
HK$88,346
baseline
▲ 0.50% · 4.625%
HK$93,722
+HK$5,376/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,692/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,484
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,965
−HK$2,516/mo
Today · 4.125%
HK$97,481
baseline
▲ 0.50% · 4.625%
HK$102,619
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,962/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,988
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,005
−HK$3,065/mo
Today · 4.125%
HK$103,070
baseline
▲ 0.50% · 4.625%
HK$109,342
+HK$6,272/mo
Deposit HK$9.11M · loan HK$21.27M · min. income ≈ HK$206,140/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,899
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,792
−HK$2,936/mo
Today · 4.125%
HK$113,728
baseline
▲ 0.50% · 4.625%
HK$119,723
+HK$5,995/mo
Deposit HK$9.11M · loan HK$21.27M · min. income ≈ HK$227,456/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,699
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,578
−HK$3,941/mo
Today · 4.125%
HK$132,519
baseline
▲ 0.50% · 4.625%
HK$140,582
+HK$8,063/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$265,038/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,727
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,447
−HK$3,775/mo
Today · 4.125%
HK$146,222
baseline
▲ 0.50% · 4.625%
HK$153,929
+HK$7,707/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,444/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,210 · Scale 2, in force from 26 Feb 2026)