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$69,271
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,426
−HK$2,189/mo
Today · 4.125%
HK$73,615
baseline
▲ 0.50% · 4.625%
HK$78,095
+HK$4,480/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,230/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,064
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,131
−HK$2,096/mo
Today · 4.125%
HK$81,227
baseline
▲ 0.50% · 4.625%
HK$85,509
+HK$4,282/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,454/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,126
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,711
−HK$2,627/mo
Today · 4.125%
HK$88,338
baseline
▲ 0.50% · 4.625%
HK$93,714
+HK$5,376/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,676/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,476
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,957
−HK$2,516/mo
Today · 4.125%
HK$97,473
baseline
▲ 0.50% · 4.625%
HK$102,611
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,946/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,980
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,997
−HK$3,064/mo
Today · 4.125%
HK$103,061
baseline
▲ 0.50% · 4.625%
HK$109,333
+HK$6,272/mo
Deposit HK$9.11M · loan HK$21.27M · min. income ≈ HK$206,122/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,291,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,889
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,783
−HK$2,935/mo
Today · 4.125%
HK$113,718
baseline
▲ 0.50% · 4.625%
HK$119,712
+HK$5,994/mo
Deposit HK$9.11M · loan HK$21.27M · min. income ≈ HK$227,436/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,291,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,689
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,567
−HK$3,941/mo
Today · 4.125%
HK$132,508
baseline
▲ 0.50% · 4.625%
HK$140,570
+HK$8,062/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$265,016/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,715
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,435
−HK$3,774/mo
Today · 4.125%
HK$146,209
baseline
▲ 0.50% · 4.625%
HK$153,916
+HK$7,707/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,418/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,099 · Scale 2, in force from 26 Feb 2026)