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$69,408
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,567
−HK$2,193/mo
Today · 4.125%
HK$73,760
baseline
▲ 0.50% · 4.625%
HK$78,249
+HK$4,489/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,520/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,216
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,287
−HK$2,100/mo
Today · 4.125%
HK$81,387
baseline
▲ 0.50% · 4.625%
HK$85,677
+HK$4,290/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,774/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,290
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,880
−HK$2,633/mo
Today · 4.125%
HK$88,513
baseline
▲ 0.50% · 4.625%
HK$93,898
+HK$5,385/mo
Deposit HK$12.18M · loan HK$18.26M · min. income ≈ HK$177,026/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,659
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,144
−HK$2,521/mo
Today · 4.125%
HK$97,665
baseline
▲ 0.50% · 4.625%
HK$102,813
+HK$5,148/mo
Deposit HK$12.18M · loan HK$18.26M · min. income ≈ HK$195,330/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,171
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,194
−HK$3,071/mo
Today · 4.125%
HK$103,265
baseline
▲ 0.50% · 4.625%
HK$109,548
+HK$6,283/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$206,530/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,102
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$111,001
−HK$2,941/mo
Today · 4.125%
HK$113,942
baseline
▲ 0.50% · 4.625%
HK$119,948
+HK$6,006/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$227,884/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,934
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$128,821
−HK$3,948/mo
Today · 4.125%
HK$132,769
baseline
▲ 0.50% · 4.625%
HK$140,848
+HK$8,079/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,538/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,988
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$142,716
−HK$3,781/mo
Today · 4.125%
HK$146,497
baseline
▲ 0.50% · 4.625%
HK$154,219
+HK$7,722/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,994/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,644 · Scale 2, in force from 26 Feb 2026)