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$69,263
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,417
−HK$2,189/mo
Today · 4.125%
HK$73,606
baseline
▲ 0.50% · 4.625%
HK$78,085
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,212/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,054
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,120
−HK$2,097/mo
Today · 4.125%
HK$81,217
baseline
▲ 0.50% · 4.625%
HK$85,498
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,434/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,115
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,700
−HK$2,627/mo
Today · 4.125%
HK$88,327
baseline
▲ 0.50% · 4.625%
HK$93,702
+HK$5,375/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,654/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,465
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,945
−HK$2,515/mo
Today · 4.125%
HK$97,460
baseline
▲ 0.50% · 4.625%
HK$102,598
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,920/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,968
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,984
−HK$3,064/mo
Today · 4.125%
HK$103,048
baseline
▲ 0.50% · 4.625%
HK$109,319
+HK$6,271/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,096/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,875
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,769
−HK$2,935/mo
Today · 4.125%
HK$113,704
baseline
▲ 0.50% · 4.625%
HK$119,697
+HK$5,993/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,408/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,673
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,551
−HK$3,940/mo
Today · 4.125%
HK$132,491
baseline
▲ 0.50% · 4.625%
HK$140,552
+HK$8,061/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$264,982/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,697
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,417
−HK$3,773/mo
Today · 4.125%
HK$146,190
baseline
▲ 0.50% · 4.625%
HK$153,896
+HK$7,706/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,380/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,934 · Scale 2, in force from 26 Feb 2026)