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$69,424
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,584
−HK$2,194/mo
Today · 4.125%
HK$73,778
baseline
▲ 0.50% · 4.625%
HK$78,267
+HK$4,489/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,556/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,293,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,234
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,305
−HK$2,101/mo
Today · 4.125%
HK$81,406
baseline
▲ 0.50% · 4.625%
HK$85,697
+HK$4,291/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,812/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,293,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,309
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,900
−HK$2,633/mo
Today · 4.125%
HK$88,533
baseline
▲ 0.50% · 4.625%
HK$93,920
+HK$5,387/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,066/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,680
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,166
−HK$2,522/mo
Today · 4.125%
HK$97,688
baseline
▲ 0.50% · 4.625%
HK$102,837
+HK$5,149/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,376/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,194
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$100,217
−HK$3,072/mo
Today · 4.125%
HK$103,289
baseline
▲ 0.50% · 4.625%
HK$109,573
+HK$6,284/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$206,578/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,127
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,027
−HK$2,942/mo
Today · 4.125%
HK$113,969
baseline
▲ 0.50% · 4.625%
HK$119,976
+HK$6,007/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$227,938/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,963
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$128,850
−HK$3,950/mo
Today · 4.125%
HK$132,800
baseline
▲ 0.50% · 4.625%
HK$140,880
+HK$8,080/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$265,600/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,020
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$142,749
−HK$3,782/mo
Today · 4.125%
HK$146,531
baseline
▲ 0.50% · 4.625%
HK$154,255
+HK$7,724/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$293,062/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,944 · Scale 2, in force from 26 Feb 2026)