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$69,062
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,211
−HK$2,182/mo
Today · 4.125%
HK$73,393
baseline
▲ 0.50% · 4.625%
HK$77,859
+HK$4,466/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,786/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,831
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$78,892
−HK$2,090/mo
Today · 4.125%
HK$80,982
baseline
▲ 0.50% · 4.625%
HK$85,251
+HK$4,269/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,964/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,875
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,453
−HK$2,619/mo
Today · 4.125%
HK$88,072
baseline
▲ 0.50% · 4.625%
HK$93,431
+HK$5,359/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$176,144/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,197
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,670
−HK$2,508/mo
Today · 4.125%
HK$97,178
baseline
▲ 0.50% · 4.625%
HK$102,301
+HK$5,123/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$194,356/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,687
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$99,695
−HK$3,055/mo
Today · 4.125%
HK$102,750
baseline
▲ 0.50% · 4.625%
HK$109,002
+HK$6,252/mo
Deposit HK$9.09M · loan HK$21.20M · min. income ≈ HK$205,500/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,564
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,448
−HK$2,927/mo
Today · 4.125%
HK$113,375
baseline
▲ 0.50% · 4.625%
HK$119,351
+HK$5,976/mo
Deposit HK$9.09M · loan HK$21.20M · min. income ≈ HK$226,750/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,312
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$128,179
−HK$3,929/mo
Today · 4.125%
HK$132,108
baseline
▲ 0.50% · 4.625%
HK$140,146
+HK$8,038/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$264,216/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,296
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$142,005
−HK$3,763/mo
Today · 4.125%
HK$145,768
baseline
▲ 0.50% · 4.625%
HK$153,451
+HK$7,683/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$291,536/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,201 · Scale 2, in force from 26 Feb 2026)