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$69,402
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,561
−HK$2,193/mo
Today · 4.125%
HK$73,754
baseline
▲ 0.50% · 4.625%
HK$78,242
+HK$4,488/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,508/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,209
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,280
−HK$2,100/mo
Today · 4.125%
HK$81,380
baseline
▲ 0.50% · 4.625%
HK$85,670
+HK$4,290/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,760/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,282
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,873
−HK$2,632/mo
Today · 4.125%
HK$88,505
baseline
▲ 0.50% · 4.625%
HK$93,890
+HK$5,385/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$177,010/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,651
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,135
−HK$2,521/mo
Today · 4.125%
HK$97,656
baseline
▲ 0.50% · 4.625%
HK$102,804
+HK$5,148/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,312/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,163
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,185
−HK$3,071/mo
Today · 4.125%
HK$103,256
baseline
▲ 0.50% · 4.625%
HK$109,538
+HK$6,282/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$206,512/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,092
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$110,991
−HK$2,941/mo
Today · 4.125%
HK$113,932
baseline
▲ 0.50% · 4.625%
HK$119,938
+HK$6,006/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$227,864/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,923
−HK$7,834/mo
▼ 0.25% · 3.875%
HK$128,809
−HK$3,948/mo
Today · 4.125%
HK$132,757
baseline
▲ 0.50% · 4.625%
HK$140,835
+HK$8,078/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,514/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,976
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,703
−HK$3,781/mo
Today · 4.125%
HK$146,484
baseline
▲ 0.50% · 4.625%
HK$154,206
+HK$7,722/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,968/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,530 · Scale 2, in force from 26 Feb 2026)