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$69,125
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,275
−HK$2,185/mo
Today · 4.125%
HK$73,460
baseline
▲ 0.50% · 4.625%
HK$77,930
+HK$4,470/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,920/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,901
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,963
−HK$2,093/mo
Today · 4.125%
HK$81,056
baseline
▲ 0.50% · 4.625%
HK$85,328
+HK$4,272/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,112/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,950
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,530
−HK$2,622/mo
Today · 4.125%
HK$88,152
baseline
▲ 0.50% · 4.625%
HK$93,516
+HK$5,364/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,304/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,281
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,756
−HK$2,511/mo
Today · 4.125%
HK$97,267
baseline
▲ 0.50% · 4.625%
HK$102,394
+HK$5,127/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,534/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,775
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,785
−HK$3,059/mo
Today · 4.125%
HK$102,844
baseline
▲ 0.50% · 4.625%
HK$109,102
+HK$6,258/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$205,688/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,661
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,549
−HK$2,929/mo
Today · 4.125%
HK$113,478
baseline
▲ 0.50% · 4.625%
HK$119,460
+HK$5,982/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$226,956/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,425
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$128,296
−HK$3,932/mo
Today · 4.125%
HK$132,228
baseline
▲ 0.50% · 4.625%
HK$140,274
+HK$8,046/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,456/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,422
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,134
−HK$3,766/mo
Today · 4.125%
HK$145,900
baseline
▲ 0.50% · 4.625%
HK$153,591
+HK$7,691/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,800/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,373 · Scale 2, in force from 26 Feb 2026)