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$68,983
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,128
−HK$2,180/mo
Today · 4.125%
HK$73,308
baseline
▲ 0.50% · 4.625%
HK$77,769
+HK$4,461/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,616/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,742
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,801
−HK$2,088/mo
Today · 4.125%
HK$80,889
baseline
▲ 0.50% · 4.625%
HK$85,152
+HK$4,263/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,778/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,779
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,354
−HK$2,616/mo
Today · 4.125%
HK$87,970
baseline
▲ 0.50% · 4.625%
HK$93,323
+HK$5,353/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,940/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,091
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,561
−HK$2,505/mo
Today · 4.125%
HK$97,066
baseline
▲ 0.50% · 4.625%
HK$102,183
+HK$5,117/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,132/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,576
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,580
−HK$3,052/mo
Today · 4.125%
HK$102,632
baseline
▲ 0.50% · 4.625%
HK$108,877
+HK$6,245/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,264/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,439
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,321
−HK$2,923/mo
Today · 4.125%
HK$113,244
baseline
▲ 0.50% · 4.625%
HK$119,213
+HK$5,969/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,488/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,169
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,031
−HK$3,924/mo
Today · 4.125%
HK$131,955
baseline
▲ 0.50% · 4.625%
HK$139,984
+HK$8,029/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,910/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,136
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,841
−HK$3,758/mo
Today · 4.125%
HK$145,599
baseline
▲ 0.50% · 4.625%
HK$153,274
+HK$7,675/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,198/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,714 · Scale 2, in force from 26 Feb 2026)