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$69,336
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,493
−HK$2,191/mo
Today · 4.125%
HK$73,684
baseline
▲ 0.50% · 4.625%
HK$78,167
+HK$4,483/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,368/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,136
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,204
−HK$2,099/mo
Today · 4.125%
HK$81,303
baseline
▲ 0.50% · 4.625%
HK$85,588
+HK$4,285/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,606/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,203
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,791
−HK$2,630/mo
Today · 4.125%
HK$88,421
baseline
▲ 0.50% · 4.625%
HK$93,801
+HK$5,380/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,842/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,563
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,045
−HK$2,518/mo
Today · 4.125%
HK$97,563
baseline
▲ 0.50% · 4.625%
HK$102,706
+HK$5,143/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,126/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,070
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,090
−HK$3,067/mo
Today · 4.125%
HK$103,157
baseline
▲ 0.50% · 4.625%
HK$109,434
+HK$6,277/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,314/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,990
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,886
−HK$2,938/mo
Today · 4.125%
HK$113,824
baseline
▲ 0.50% · 4.625%
HK$119,824
+HK$6,000/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,648/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,805
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,687
−HK$3,944/mo
Today · 4.125%
HK$132,631
baseline
▲ 0.50% · 4.625%
HK$140,701
+HK$8,070/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,262/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,844
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,568
−HK$3,777/mo
Today · 4.125%
HK$146,345
baseline
▲ 0.50% · 4.625%
HK$154,059
+HK$7,714/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,690/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,301 · Scale 2, in force from 26 Feb 2026)