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$69,372
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,530
−HK$2,192/mo
Today · 4.125%
HK$73,722
baseline
▲ 0.50% · 4.625%
HK$78,208
+HK$4,486/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,444/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,175
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,245
−HK$2,100/mo
Today · 4.125%
HK$81,345
baseline
▲ 0.50% · 4.625%
HK$85,633
+HK$4,288/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,690/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,246
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,835
−HK$2,631/mo
Today · 4.125%
HK$88,466
baseline
▲ 0.50% · 4.625%
HK$93,849
+HK$5,383/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,932/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,610
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,094
−HK$2,520/mo
Today · 4.125%
HK$97,614
baseline
▲ 0.50% · 4.625%
HK$102,759
+HK$5,145/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,228/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,120
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,141
−HK$3,070/mo
Today · 4.125%
HK$103,211
baseline
▲ 0.50% · 4.625%
HK$109,491
+HK$6,280/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,422/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,045
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,943
−HK$2,940/mo
Today · 4.125%
HK$113,883
baseline
▲ 0.50% · 4.625%
HK$119,886
+HK$6,003/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,766/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,869
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$128,753
−HK$3,946/mo
Today · 4.125%
HK$132,699
baseline
▲ 0.50% · 4.625%
HK$140,774
+HK$8,075/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,398/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,292,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,916
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,641
−HK$3,780/mo
Today · 4.125%
HK$146,421
baseline
▲ 0.50% · 4.625%
HK$154,139
+HK$7,718/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,842/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,292,968 · Scale 2, in force from 26 Feb 2026)