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$69,155
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,306
−HK$2,186/mo
Today · 4.125%
HK$73,492
baseline
▲ 0.50% · 4.625%
HK$77,964
+HK$4,472/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,984/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,935
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,998
−HK$2,093/mo
Today · 4.125%
HK$81,091
baseline
▲ 0.50% · 4.625%
HK$85,365
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,182/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,986
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,568
−HK$2,622/mo
Today · 4.125%
HK$88,190
baseline
▲ 0.50% · 4.625%
HK$93,556
+HK$5,366/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,380/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,321
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,797
−HK$2,512/mo
Today · 4.125%
HK$97,309
baseline
▲ 0.50% · 4.625%
HK$102,439
+HK$5,130/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,618/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,817
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,829
−HK$3,060/mo
Today · 4.125%
HK$102,889
baseline
▲ 0.50% · 4.625%
HK$109,149
+HK$6,260/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,778/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,708
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,597
−HK$2,930/mo
Today · 4.125%
HK$113,527
baseline
▲ 0.50% · 4.625%
HK$119,512
+HK$5,985/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,054/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,479
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$128,351
−HK$3,934/mo
Today · 4.125%
HK$132,285
baseline
▲ 0.50% · 4.625%
HK$140,335
+HK$8,050/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,570/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,482
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$142,196
−HK$3,768/mo
Today · 4.125%
HK$145,964
baseline
▲ 0.50% · 4.625%
HK$153,658
+HK$7,694/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$291,928/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,934 · Scale 2, in force from 26 Feb 2026)