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$69,522
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,685
−HK$2,197/mo
Today · 4.125%
HK$73,882
baseline
▲ 0.50% · 4.625%
HK$78,377
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,764/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,343
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,417
−HK$2,104/mo
Today · 4.125%
HK$81,521
baseline
▲ 0.50% · 4.625%
HK$85,818
+HK$4,297/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,042/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,427
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,022
−HK$2,636/mo
Today · 4.125%
HK$88,658
baseline
▲ 0.50% · 4.625%
HK$94,053
+HK$5,395/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$177,316/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,811
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,300
−HK$2,525/mo
Today · 4.125%
HK$97,825
baseline
▲ 0.50% · 4.625%
HK$102,982
+HK$5,157/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$195,650/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,331
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,358
−HK$3,076/mo
Today · 4.125%
HK$103,434
baseline
▲ 0.50% · 4.625%
HK$109,728
+HK$6,294/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,868/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,280
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,184
−HK$2,946/mo
Today · 4.125%
HK$114,130
baseline
▲ 0.50% · 4.625%
HK$120,146
+HK$6,016/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,260/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,140
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$129,032
−HK$3,955/mo
Today · 4.125%
HK$132,987
baseline
▲ 0.50% · 4.625%
HK$141,079
+HK$8,092/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,974/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,217
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$142,950
−HK$3,788/mo
Today · 4.125%
HK$146,738
baseline
▲ 0.50% · 4.625%
HK$154,473
+HK$7,735/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,476/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,771 · Scale 2, in force from 26 Feb 2026)