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$69,187
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,339
−HK$2,186/mo
Today · 4.125%
HK$73,525
baseline
▲ 0.50% · 4.625%
HK$77,999
+HK$4,474/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,050/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,969
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,034
−HK$2,094/mo
Today · 4.125%
HK$81,128
baseline
▲ 0.50% · 4.625%
HK$85,404
+HK$4,276/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,256/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,024
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,606
−HK$2,624/mo
Today · 4.125%
HK$88,230
baseline
▲ 0.50% · 4.625%
HK$93,599
+HK$5,369/mo
Deposit HK$12.14M · loan HK$18.20M · min. income ≈ HK$176,460/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,363
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,840
−HK$2,513/mo
Today · 4.125%
HK$97,353
baseline
▲ 0.50% · 4.625%
HK$102,485
+HK$5,132/mo
Deposit HK$12.14M · loan HK$18.20M · min. income ≈ HK$194,706/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,861
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,874
−HK$3,061/mo
Today · 4.125%
HK$102,935
baseline
▲ 0.50% · 4.625%
HK$109,199
+HK$6,264/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,870/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,757
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,647
−HK$2,932/mo
Today · 4.125%
HK$113,579
baseline
▲ 0.50% · 4.625%
HK$119,566
+HK$5,987/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,158/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,536
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$128,409
−HK$3,936/mo
Today · 4.125%
HK$132,345
baseline
▲ 0.50% · 4.625%
HK$140,398
+HK$8,053/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,690/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,545
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,260
−HK$3,770/mo
Today · 4.125%
HK$146,030
baseline
▲ 0.50% · 4.625%
HK$153,727
+HK$7,697/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,060/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,516 · Scale 2, in force from 26 Feb 2026)