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$69,002
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,148
−HK$2,181/mo
Today · 4.125%
HK$73,329
baseline
▲ 0.50% · 4.625%
HK$77,791
+HK$4,462/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,658/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,764
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,822
−HK$2,089/mo
Today · 4.125%
HK$80,911
baseline
▲ 0.50% · 4.625%
HK$85,176
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,822/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,802
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,378
−HK$2,616/mo
Today · 4.125%
HK$87,994
baseline
▲ 0.50% · 4.625%
HK$93,349
+HK$5,355/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$175,988/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,116
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,587
−HK$2,506/mo
Today · 4.125%
HK$97,093
baseline
▲ 0.50% · 4.625%
HK$102,211
+HK$5,118/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$194,186/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,602
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,607
−HK$3,053/mo
Today · 4.125%
HK$102,660
baseline
▲ 0.50% · 4.625%
HK$108,907
+HK$6,247/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,320/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,469
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,351
−HK$2,924/mo
Today · 4.125%
HK$113,275
baseline
▲ 0.50% · 4.625%
HK$119,246
+HK$5,971/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,550/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,203
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,066
−HK$3,926/mo
Today · 4.125%
HK$131,992
baseline
▲ 0.50% · 4.625%
HK$140,023
+HK$8,031/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,984/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,175
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$141,880
−HK$3,760/mo
Today · 4.125%
HK$145,640
baseline
▲ 0.50% · 4.625%
HK$153,317
+HK$7,677/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,280/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,071 · Scale 2, in force from 26 Feb 2026)