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$69,502
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,664
−HK$2,196/mo
Today · 4.125%
HK$73,860
baseline
▲ 0.50% · 4.625%
HK$78,355
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,720/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,320
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,394
−HK$2,104/mo
Today · 4.125%
HK$81,498
baseline
▲ 0.50% · 4.625%
HK$85,793
+HK$4,295/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,996/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,402
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,997
−HK$2,635/mo
Today · 4.125%
HK$88,632
baseline
▲ 0.50% · 4.625%
HK$94,026
+HK$5,394/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,264/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,784
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,273
−HK$2,524/mo
Today · 4.125%
HK$97,797
baseline
▲ 0.50% · 4.625%
HK$102,952
+HK$5,155/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,594/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,303
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,329
−HK$3,076/mo
Today · 4.125%
HK$103,405
baseline
▲ 0.50% · 4.625%
HK$109,696
+HK$6,291/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$206,810/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,248
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,152
−HK$2,945/mo
Today · 4.125%
HK$114,097
baseline
▲ 0.50% · 4.625%
HK$120,111
+HK$6,014/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$228,194/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,104
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$128,995
−HK$3,954/mo
Today · 4.125%
HK$132,949
baseline
▲ 0.50% · 4.625%
HK$141,038
+HK$8,089/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,898/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,176
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,909
−HK$3,787/mo
Today · 4.125%
HK$146,696
baseline
▲ 0.50% · 4.625%
HK$154,428
+HK$7,732/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,392/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,396 · Scale 2, in force from 26 Feb 2026)