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$69,426
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,585
−HK$2,194/mo
Today · 4.125%
HK$73,779
baseline
▲ 0.50% · 4.625%
HK$78,269
+HK$4,490/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,558/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,293,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,235
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,307
−HK$2,101/mo
Today · 4.125%
HK$81,408
baseline
▲ 0.50% · 4.625%
HK$85,699
+HK$4,291/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,816/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,293,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,311
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,902
−HK$2,633/mo
Today · 4.125%
HK$88,535
baseline
▲ 0.50% · 4.625%
HK$93,922
+HK$5,387/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,070/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,682
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,168
−HK$2,522/mo
Today · 4.125%
HK$97,690
baseline
▲ 0.50% · 4.625%
HK$102,839
+HK$5,149/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,380/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,196
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$100,219
−HK$3,072/mo
Today · 4.125%
HK$103,291
baseline
▲ 0.50% · 4.625%
HK$109,576
+HK$6,285/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$206,582/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,130
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,030
−HK$2,941/mo
Today · 4.125%
HK$113,971
baseline
▲ 0.50% · 4.625%
HK$119,979
+HK$6,008/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$227,942/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,966
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$128,853
−HK$3,950/mo
Today · 4.125%
HK$132,803
baseline
▲ 0.50% · 4.625%
HK$140,883
+HK$8,080/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$265,606/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,024
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$142,752
−HK$3,783/mo
Today · 4.125%
HK$146,535
baseline
▲ 0.50% · 4.625%
HK$154,259
+HK$7,724/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$293,070/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,974 · Scale 2, in force from 26 Feb 2026)