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$68,951
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,096
−HK$2,179/mo
Today · 4.125%
HK$73,275
baseline
▲ 0.50% · 4.625%
HK$77,734
+HK$4,459/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,550/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,285,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,707
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,765
−HK$2,087/mo
Today · 4.125%
HK$80,852
baseline
▲ 0.50% · 4.625%
HK$85,113
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,704/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,285,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,741
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,315
−HK$2,615/mo
Today · 4.125%
HK$87,930
baseline
▲ 0.50% · 4.625%
HK$93,280
+HK$5,350/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$175,860/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,049
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,518
−HK$2,504/mo
Today · 4.125%
HK$97,022
baseline
▲ 0.50% · 4.625%
HK$102,136
+HK$5,114/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$194,044/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,532
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,534
−HK$3,051/mo
Today · 4.125%
HK$102,585
baseline
▲ 0.50% · 4.625%
HK$108,827
+HK$6,242/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,170/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,390
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,271
−HK$2,921/mo
Today · 4.125%
HK$113,192
baseline
▲ 0.50% · 4.625%
HK$119,159
+HK$5,967/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,384/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,112
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$127,973
−HK$3,922/mo
Today · 4.125%
HK$131,895
baseline
▲ 0.50% · 4.625%
HK$139,920
+HK$8,025/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,790/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,073
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$141,776
−HK$3,757/mo
Today · 4.125%
HK$145,533
baseline
▲ 0.50% · 4.625%
HK$153,204
+HK$7,671/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,066/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,129 · Scale 2, in force from 26 Feb 2026)