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$69,575
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,740
−HK$2,198/mo
Today · 4.125%
HK$73,938
baseline
▲ 0.50% · 4.625%
HK$78,437
+HK$4,499/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,876/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,402
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,478
−HK$2,106/mo
Today · 4.125%
HK$81,584
baseline
▲ 0.50% · 4.625%
HK$85,884
+HK$4,300/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,168/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,491
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,088
−HK$2,638/mo
Today · 4.125%
HK$88,726
baseline
▲ 0.50% · 4.625%
HK$94,125
+HK$5,399/mo
Deposit HK$12.20M · loan HK$18.31M · min. income ≈ HK$177,452/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,882
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,373
−HK$2,528/mo
Today · 4.125%
HK$97,901
baseline
▲ 0.50% · 4.625%
HK$103,061
+HK$5,160/mo
Deposit HK$12.20M · loan HK$18.31M · min. income ≈ HK$195,802/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,406
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,436
−HK$3,078/mo
Today · 4.125%
HK$103,514
baseline
▲ 0.50% · 4.625%
HK$109,812
+HK$6,298/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$207,028/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,363
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,269
−HK$2,948/mo
Today · 4.125%
HK$114,217
baseline
▲ 0.50% · 4.625%
HK$120,238
+HK$6,021/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$228,434/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,236
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,131
−HK$3,958/mo
Today · 4.125%
HK$133,089
baseline
▲ 0.50% · 4.625%
HK$141,187
+HK$8,098/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$266,178/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,324
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,060
−HK$3,791/mo
Today · 4.125%
HK$146,851
baseline
▲ 0.50% · 4.625%
HK$154,592
+HK$7,741/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$293,702/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,766 · Scale 2, in force from 26 Feb 2026)