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$69,265
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,420
−HK$2,189/mo
Today · 4.125%
HK$73,609
baseline
▲ 0.50% · 4.625%
HK$78,088
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,218/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,057
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,124
−HK$2,096/mo
Today · 4.125%
HK$81,220
baseline
▲ 0.50% · 4.625%
HK$85,501
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,440/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,119
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,704
−HK$2,627/mo
Today · 4.125%
HK$88,331
baseline
▲ 0.50% · 4.625%
HK$93,705
+HK$5,374/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,662/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,469
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,948
−HK$2,516/mo
Today · 4.125%
HK$97,464
baseline
▲ 0.50% · 4.625%
HK$102,602
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,928/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,972
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,988
−HK$3,065/mo
Today · 4.125%
HK$103,053
baseline
▲ 0.50% · 4.625%
HK$109,323
+HK$6,270/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,106/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,880
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,773
−HK$2,935/mo
Today · 4.125%
HK$113,708
baseline
▲ 0.50% · 4.625%
HK$119,702
+HK$5,994/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,416/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,678
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,556
−HK$3,940/mo
Today · 4.125%
HK$132,496
baseline
▲ 0.50% · 4.625%
HK$140,558
+HK$8,062/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$264,992/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,703
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,423
−HK$3,773/mo
Today · 4.125%
HK$146,196
baseline
▲ 0.50% · 4.625%
HK$153,903
+HK$7,707/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,392/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,987 · Scale 2, in force from 26 Feb 2026)