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$69,207
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,359
−HK$2,188/mo
Today · 4.125%
HK$73,547
baseline
▲ 0.50% · 4.625%
HK$78,022
+HK$4,475/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,094/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,289,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,992
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,057
−HK$2,094/mo
Today · 4.125%
HK$81,151
baseline
▲ 0.50% · 4.625%
HK$85,429
+HK$4,278/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,302/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,289,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,048
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,631
−HK$2,625/mo
Today · 4.125%
HK$88,256
baseline
▲ 0.50% · 4.625%
HK$93,626
+HK$5,370/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,512/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,390
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,868
−HK$2,514/mo
Today · 4.125%
HK$97,382
baseline
▲ 0.50% · 4.625%
HK$102,515
+HK$5,133/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,764/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,889
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,903
−HK$3,062/mo
Today · 4.125%
HK$102,965
baseline
▲ 0.50% · 4.625%
HK$109,230
+HK$6,265/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,930/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,289,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,788
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,679
−HK$2,933/mo
Today · 4.125%
HK$113,612
baseline
▲ 0.50% · 4.625%
HK$119,601
+HK$5,989/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,224/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,289,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,572
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,447
−HK$3,937/mo
Today · 4.125%
HK$132,384
baseline
▲ 0.50% · 4.625%
HK$140,439
+HK$8,055/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,768/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,585
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,302
−HK$3,770/mo
Today · 4.125%
HK$146,072
baseline
▲ 0.50% · 4.625%
HK$153,772
+HK$7,700/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,144/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,892 · Scale 2, in force from 26 Feb 2026)