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$68,956
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,101
−HK$2,180/mo
Today · 4.125%
HK$73,281
baseline
▲ 0.50% · 4.625%
HK$77,740
+HK$4,459/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,562/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,713
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,771
−HK$2,087/mo
Today · 4.125%
HK$80,858
baseline
▲ 0.50% · 4.625%
HK$85,120
+HK$4,262/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,716/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,748
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,322
−HK$2,615/mo
Today · 4.125%
HK$87,937
baseline
▲ 0.50% · 4.625%
HK$93,287
+HK$5,350/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$175,874/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,056
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,525
−HK$2,504/mo
Today · 4.125%
HK$97,029
baseline
▲ 0.50% · 4.625%
HK$102,144
+HK$5,115/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$194,058/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,539
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,542
−HK$3,051/mo
Today · 4.125%
HK$102,593
baseline
▲ 0.50% · 4.625%
HK$108,835
+HK$6,242/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,186/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,399
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,279
−HK$2,922/mo
Today · 4.125%
HK$113,201
baseline
▲ 0.50% · 4.625%
HK$119,168
+HK$5,967/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,402/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,122
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$127,982
−HK$3,923/mo
Today · 4.125%
HK$131,905
baseline
▲ 0.50% · 4.625%
HK$139,931
+HK$8,026/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,810/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,084
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$141,787
−HK$3,757/mo
Today · 4.125%
HK$145,544
baseline
▲ 0.50% · 4.625%
HK$153,216
+HK$7,672/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,088/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,227 · Scale 2, in force from 26 Feb 2026)