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$69,297
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,452
−HK$2,190/mo
Today · 4.125%
HK$73,642
baseline
▲ 0.50% · 4.625%
HK$78,123
+HK$4,481/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,284/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,092
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,159
−HK$2,098/mo
Today · 4.125%
HK$81,257
baseline
▲ 0.50% · 4.625%
HK$85,540
+HK$4,283/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,514/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,156
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,743
−HK$2,628/mo
Today · 4.125%
HK$88,371
baseline
▲ 0.50% · 4.625%
HK$93,748
+HK$5,377/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$176,742/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,510
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,991
−HK$2,517/mo
Today · 4.125%
HK$97,508
baseline
▲ 0.50% · 4.625%
HK$102,648
+HK$5,140/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$195,016/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,015
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,033
−HK$3,066/mo
Today · 4.125%
HK$103,099
baseline
▲ 0.50% · 4.625%
HK$109,372
+HK$6,273/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,198/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,929
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,823
−HK$2,937/mo
Today · 4.125%
HK$113,760
baseline
▲ 0.50% · 4.625%
HK$119,756
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,520/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,734
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,614
−HK$3,942/mo
Today · 4.125%
HK$132,556
baseline
▲ 0.50% · 4.625%
HK$140,622
+HK$8,066/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,112/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,765
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,487
−HK$3,775/mo
Today · 4.125%
HK$146,262
baseline
▲ 0.50% · 4.625%
HK$153,972
+HK$7,710/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,524/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,569 · Scale 2, in force from 26 Feb 2026)