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$69,612
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,777
−HK$2,200/mo
Today · 4.125%
HK$73,977
baseline
▲ 0.50% · 4.625%
HK$78,479
+HK$4,502/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,954/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,443
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,520
−HK$2,107/mo
Today · 4.125%
HK$81,627
baseline
▲ 0.50% · 4.625%
HK$85,929
+HK$4,302/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,254/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,534
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,133
−HK$2,640/mo
Today · 4.125%
HK$88,773
baseline
▲ 0.50% · 4.625%
HK$94,174
+HK$5,401/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,546/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,931
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,424
−HK$2,528/mo
Today · 4.125%
HK$97,952
baseline
▲ 0.50% · 4.625%
HK$103,115
+HK$5,163/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,904/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,457
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,488
−HK$3,080/mo
Today · 4.125%
HK$103,568
baseline
▲ 0.50% · 4.625%
HK$109,870
+HK$6,302/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,136/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,420
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,327
−HK$2,950/mo
Today · 4.125%
HK$114,277
baseline
▲ 0.50% · 4.625%
HK$120,301
+HK$6,024/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,554/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,302
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$129,199
−HK$3,960/mo
Today · 4.125%
HK$133,159
baseline
▲ 0.50% · 4.625%
HK$141,262
+HK$8,103/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,318/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,397
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,135
−HK$3,793/mo
Today · 4.125%
HK$146,928
baseline
▲ 0.50% · 4.625%
HK$154,673
+HK$7,745/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,856/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,447 · Scale 2, in force from 26 Feb 2026)