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$69,195
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,347
−HK$2,187/mo
Today · 4.125%
HK$73,534
baseline
▲ 0.50% · 4.625%
HK$78,008
+HK$4,474/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,068/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,978
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,043
−HK$2,094/mo
Today · 4.125%
HK$81,137
baseline
▲ 0.50% · 4.625%
HK$85,414
+HK$4,277/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,274/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,034
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,616
−HK$2,625/mo
Today · 4.125%
HK$88,241
baseline
▲ 0.50% · 4.625%
HK$93,610
+HK$5,369/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,482/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,374
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,852
−HK$2,513/mo
Today · 4.125%
HK$97,365
baseline
▲ 0.50% · 4.625%
HK$102,497
+HK$5,132/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,730/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,873
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,886
−HK$3,061/mo
Today · 4.125%
HK$102,947
baseline
▲ 0.50% · 4.625%
HK$109,211
+HK$6,264/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,894/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,770
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,660
−HK$2,932/mo
Today · 4.125%
HK$113,592
baseline
▲ 0.50% · 4.625%
HK$119,580
+HK$5,988/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,184/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,550
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,425
−HK$3,936/mo
Today · 4.125%
HK$132,361
baseline
▲ 0.50% · 4.625%
HK$140,415
+HK$8,054/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,722/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,561
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$142,277
−HK$3,770/mo
Today · 4.125%
HK$146,047
baseline
▲ 0.50% · 4.625%
HK$153,746
+HK$7,699/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,094/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,669 · Scale 2, in force from 26 Feb 2026)