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$69,395
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,554
−HK$2,193/mo
Today · 4.125%
HK$73,747
baseline
▲ 0.50% · 4.625%
HK$78,234
+HK$4,487/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,494/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,201
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,272
−HK$2,100/mo
Today · 4.125%
HK$81,372
baseline
▲ 0.50% · 4.625%
HK$85,661
+HK$4,289/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,744/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,274
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,864
−HK$2,632/mo
Today · 4.125%
HK$88,496
baseline
▲ 0.50% · 4.625%
HK$93,881
+HK$5,385/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$176,992/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,641
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,126
−HK$2,521/mo
Today · 4.125%
HK$97,647
baseline
▲ 0.50% · 4.625%
HK$102,794
+HK$5,147/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,294/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,153
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,175
−HK$3,070/mo
Today · 4.125%
HK$103,245
baseline
▲ 0.50% · 4.625%
HK$109,528
+HK$6,283/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,490/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,082
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,980
−HK$2,941/mo
Today · 4.125%
HK$113,921
baseline
▲ 0.50% · 4.625%
HK$119,926
+HK$6,005/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,842/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,911
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,796
−HK$3,948/mo
Today · 4.125%
HK$132,744
baseline
▲ 0.50% · 4.625%
HK$140,821
+HK$8,077/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,488/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,962
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,689
−HK$3,781/mo
Today · 4.125%
HK$146,470
baseline
▲ 0.50% · 4.625%
HK$154,191
+HK$7,721/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,940/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,402 · Scale 2, in force from 26 Feb 2026)