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$68,960
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,105
−HK$2,179/mo
Today · 4.125%
HK$73,284
baseline
▲ 0.50% · 4.625%
HK$77,744
+HK$4,460/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,568/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,717
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,775
−HK$2,087/mo
Today · 4.125%
HK$80,862
baseline
▲ 0.50% · 4.625%
HK$85,125
+HK$4,263/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,724/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,752
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,326
−HK$2,615/mo
Today · 4.125%
HK$87,941
baseline
▲ 0.50% · 4.625%
HK$93,292
+HK$5,351/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,882/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,061
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,530
−HK$2,505/mo
Today · 4.125%
HK$97,035
baseline
▲ 0.50% · 4.625%
HK$102,149
+HK$5,114/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,070/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,544
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,547
−HK$3,051/mo
Today · 4.125%
HK$102,598
baseline
▲ 0.50% · 4.625%
HK$108,841
+HK$6,243/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,196/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,404
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,285
−HK$2,922/mo
Today · 4.125%
HK$113,207
baseline
▲ 0.50% · 4.625%
HK$119,174
+HK$5,967/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,414/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,128
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$127,989
−HK$3,923/mo
Today · 4.125%
HK$131,912
baseline
▲ 0.50% · 4.625%
HK$139,939
+HK$8,027/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,824/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,091
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$141,795
−HK$3,757/mo
Today · 4.125%
HK$145,552
baseline
▲ 0.50% · 4.625%
HK$153,224
+HK$7,672/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,104/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,296 · Scale 2, in force from 26 Feb 2026)