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$69,348
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,505
−HK$2,192/mo
Today · 4.125%
HK$73,697
baseline
▲ 0.50% · 4.625%
HK$78,181
+HK$4,484/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,394/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,149
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,218
−HK$2,099/mo
Today · 4.125%
HK$81,317
baseline
▲ 0.50% · 4.625%
HK$85,603
+HK$4,286/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,634/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,218
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,806
−HK$2,630/mo
Today · 4.125%
HK$88,436
baseline
▲ 0.50% · 4.625%
HK$93,817
+HK$5,381/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$176,872/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,579
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,062
−HK$2,518/mo
Today · 4.125%
HK$97,580
baseline
▲ 0.50% · 4.625%
HK$102,724
+HK$5,144/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$195,160/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,087
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,107
−HK$3,068/mo
Today · 4.125%
HK$103,175
baseline
▲ 0.50% · 4.625%
HK$109,453
+HK$6,278/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$206,350/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,008
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,905
−HK$2,939/mo
Today · 4.125%
HK$113,844
baseline
▲ 0.50% · 4.625%
HK$119,845
+HK$6,001/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$227,688/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,826
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$128,709
−HK$3,945/mo
Today · 4.125%
HK$132,654
baseline
▲ 0.50% · 4.625%
HK$140,726
+HK$8,072/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,308/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,868
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$142,592
−HK$3,779/mo
Today · 4.125%
HK$146,371
baseline
▲ 0.50% · 4.625%
HK$154,086
+HK$7,715/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,742/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,526 · Scale 2, in force from 26 Feb 2026)