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$68,991
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,137
−HK$2,180/mo
Today · 4.125%
HK$73,317
baseline
▲ 0.50% · 4.625%
HK$77,778
+HK$4,461/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,634/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,752
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,810
−HK$2,088/mo
Today · 4.125%
HK$80,898
baseline
▲ 0.50% · 4.625%
HK$85,163
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,796/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,789
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,364
−HK$2,617/mo
Today · 4.125%
HK$87,981
baseline
▲ 0.50% · 4.625%
HK$93,334
+HK$5,353/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,962/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,102
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,572
−HK$2,506/mo
Today · 4.125%
HK$97,078
baseline
▲ 0.50% · 4.625%
HK$102,195
+HK$5,117/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,156/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,587
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,592
−HK$3,052/mo
Today · 4.125%
HK$102,644
baseline
▲ 0.50% · 4.625%
HK$108,890
+HK$6,246/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,288/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,452
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,334
−HK$2,924/mo
Today · 4.125%
HK$113,258
baseline
▲ 0.50% · 4.625%
HK$119,228
+HK$5,970/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,516/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,183
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,046
−HK$3,925/mo
Today · 4.125%
HK$131,971
baseline
▲ 0.50% · 4.625%
HK$140,001
+HK$8,030/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,942/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,153
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,858
−HK$3,759/mo
Today · 4.125%
HK$145,617
baseline
▲ 0.50% · 4.625%
HK$153,293
+HK$7,676/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,234/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,869 · Scale 2, in force from 26 Feb 2026)