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$69,466
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,627
−HK$2,195/mo
Today · 4.125%
HK$73,822
baseline
▲ 0.50% · 4.625%
HK$78,314
+HK$4,492/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,644/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,280
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,353
−HK$2,103/mo
Today · 4.125%
HK$81,456
baseline
▲ 0.50% · 4.625%
HK$85,749
+HK$4,293/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,912/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,359
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,952
−HK$2,635/mo
Today · 4.125%
HK$88,587
baseline
▲ 0.50% · 4.625%
HK$93,977
+HK$5,390/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,174/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,736
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,224
−HK$2,523/mo
Today · 4.125%
HK$97,747
baseline
▲ 0.50% · 4.625%
HK$102,899
+HK$5,152/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,494/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,253
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,278
−HK$3,073/mo
Today · 4.125%
HK$103,351
baseline
▲ 0.50% · 4.625%
HK$109,640
+HK$6,289/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,702/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,193
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,094
−HK$2,944/mo
Today · 4.125%
HK$114,038
baseline
▲ 0.50% · 4.625%
HK$120,049
+HK$6,011/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$228,076/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,039
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$128,928
−HK$3,952/mo
Today · 4.125%
HK$132,880
baseline
▲ 0.50% · 4.625%
HK$140,966
+HK$8,086/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$265,760/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,105
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$142,835
−HK$3,785/mo
Today · 4.125%
HK$146,620
baseline
▲ 0.50% · 4.625%
HK$154,349
+HK$7,729/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$293,240/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,728 · Scale 2, in force from 26 Feb 2026)