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$69,318
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,474
−HK$2,191/mo
Today · 4.125%
HK$73,665
baseline
▲ 0.50% · 4.625%
HK$78,147
+HK$4,482/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,330/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,115
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,184
−HK$2,098/mo
Today · 4.125%
HK$81,282
baseline
▲ 0.50% · 4.625%
HK$85,566
+HK$4,284/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,564/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,181
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,769
−HK$2,629/mo
Today · 4.125%
HK$88,398
baseline
▲ 0.50% · 4.625%
HK$93,776
+HK$5,378/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,796/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,539
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,020
−HK$2,518/mo
Today · 4.125%
HK$97,538
baseline
▲ 0.50% · 4.625%
HK$102,679
+HK$5,141/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,076/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,045
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,064
−HK$3,067/mo
Today · 4.125%
HK$103,131
baseline
▲ 0.50% · 4.625%
HK$109,406
+HK$6,275/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,262/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,962
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,857
−HK$2,937/mo
Today · 4.125%
HK$113,794
baseline
▲ 0.50% · 4.625%
HK$119,793
+HK$5,999/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,588/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,772
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,653
−HK$3,943/mo
Today · 4.125%
HK$132,596
baseline
▲ 0.50% · 4.625%
HK$140,665
+HK$8,069/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,192/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,808
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,531
−HK$3,776/mo
Today · 4.125%
HK$146,307
baseline
▲ 0.50% · 4.625%
HK$154,019
+HK$7,712/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,614/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,964 · Scale 2, in force from 26 Feb 2026)