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$69,171
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$71,323
−HK$2,186/mo
Today · 4.125%
HK$73,509
baseline
▲ 0.50% · 4.625%
HK$77,981
+HK$4,472/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,018/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,952
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,016
−HK$2,093/mo
Today · 4.125%
HK$81,109
baseline
▲ 0.50% · 4.625%
HK$85,385
+HK$4,276/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,218/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,005
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,587
−HK$2,623/mo
Today · 4.125%
HK$88,210
baseline
▲ 0.50% · 4.625%
HK$93,578
+HK$5,368/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,420/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,342
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,819
−HK$2,512/mo
Today · 4.125%
HK$97,331
baseline
▲ 0.50% · 4.625%
HK$102,462
+HK$5,131/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,662/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,839
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,852
−HK$3,060/mo
Today · 4.125%
HK$102,912
baseline
▲ 0.50% · 4.625%
HK$109,174
+HK$6,262/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,824/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,733
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,622
−HK$2,931/mo
Today · 4.125%
HK$113,553
baseline
▲ 0.50% · 4.625%
HK$119,539
+HK$5,986/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,106/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,508
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$128,381
−HK$3,934/mo
Today · 4.125%
HK$132,315
baseline
▲ 0.50% · 4.625%
HK$140,366
+HK$8,051/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,630/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,514
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,228
−HK$3,769/mo
Today · 4.125%
HK$145,997
baseline
▲ 0.50% · 4.625%
HK$153,693
+HK$7,696/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$291,994/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,226 · Scale 2, in force from 26 Feb 2026)