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$69,004
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,150
−HK$2,181/mo
Today · 4.125%
HK$73,331
baseline
▲ 0.50% · 4.625%
HK$77,793
+HK$4,462/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,662/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,766
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,825
−HK$2,089/mo
Today · 4.125%
HK$80,914
baseline
▲ 0.50% · 4.625%
HK$85,179
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,828/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,805
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,381
−HK$2,616/mo
Today · 4.125%
HK$87,997
baseline
▲ 0.50% · 4.625%
HK$93,352
+HK$5,355/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$175,994/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,120
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,590
−HK$2,506/mo
Today · 4.125%
HK$97,096
baseline
▲ 0.50% · 4.625%
HK$102,215
+HK$5,119/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$194,192/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,606
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,611
−HK$3,053/mo
Today · 4.125%
HK$102,664
baseline
▲ 0.50% · 4.625%
HK$108,910
+HK$6,246/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,328/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,473
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,355
−HK$2,924/mo
Today · 4.125%
HK$113,279
baseline
▲ 0.50% · 4.625%
HK$119,250
+HK$5,971/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,558/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,207
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,071
−HK$3,925/mo
Today · 4.125%
HK$131,996
baseline
▲ 0.50% · 4.625%
HK$140,028
+HK$8,032/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$263,992/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,179
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,885
−HK$3,760/mo
Today · 4.125%
HK$145,645
baseline
▲ 0.50% · 4.625%
HK$153,322
+HK$7,677/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,290/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,115 · Scale 2, in force from 26 Feb 2026)