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$69,439
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,599
−HK$2,194/mo
Today · 4.125%
HK$73,793
baseline
▲ 0.50% · 4.625%
HK$78,284
+HK$4,491/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,586/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,250
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,322
−HK$2,102/mo
Today · 4.125%
HK$81,424
baseline
▲ 0.50% · 4.625%
HK$85,716
+HK$4,292/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,848/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,327
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,919
−HK$2,633/mo
Today · 4.125%
HK$88,552
baseline
▲ 0.50% · 4.625%
HK$93,940
+HK$5,388/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,104/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,700
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,186
−HK$2,523/mo
Today · 4.125%
HK$97,709
baseline
▲ 0.50% · 4.625%
HK$102,859
+HK$5,150/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,418/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,215
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,239
−HK$3,072/mo
Today · 4.125%
HK$103,311
baseline
▲ 0.50% · 4.625%
HK$109,597
+HK$6,286/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,622/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,150
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,051
−HK$2,942/mo
Today · 4.125%
HK$113,993
baseline
▲ 0.50% · 4.625%
HK$120,002
+HK$6,009/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$227,986/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,990
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,878
−HK$3,950/mo
Today · 4.125%
HK$132,828
baseline
▲ 0.50% · 4.625%
HK$140,911
+HK$8,083/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,656/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,050
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,780
−HK$3,783/mo
Today · 4.125%
HK$146,563
baseline
▲ 0.50% · 4.625%
HK$154,288
+HK$7,725/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,126/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,223 · Scale 2, in force from 26 Feb 2026)