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$69,050
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,198
−HK$2,182/mo
Today · 4.125%
HK$73,380
baseline
▲ 0.50% · 4.625%
HK$77,846
+HK$4,466/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,760/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,286,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,818
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,878
−HK$2,090/mo
Today · 4.125%
HK$80,968
baseline
▲ 0.50% · 4.625%
HK$85,236
+HK$4,268/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,936/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,286,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,861
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,438
−HK$2,619/mo
Today · 4.125%
HK$88,057
baseline
▲ 0.50% · 4.625%
HK$93,415
+HK$5,358/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$176,114/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,181
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,654
−HK$2,508/mo
Today · 4.125%
HK$97,162
baseline
▲ 0.50% · 4.625%
HK$102,283
+HK$5,121/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$194,324/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,671
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$99,678
−HK$3,055/mo
Today · 4.125%
HK$102,733
baseline
▲ 0.50% · 4.625%
HK$108,984
+HK$6,251/mo
Deposit HK$9.08M · loan HK$21.20M · min. income ≈ HK$205,466/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,545
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$110,429
−HK$2,926/mo
Today · 4.125%
HK$113,355
baseline
▲ 0.50% · 4.625%
HK$119,331
+HK$5,976/mo
Deposit HK$9.08M · loan HK$21.20M · min. income ≈ HK$226,710/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,291
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$128,157
−HK$3,928/mo
Today · 4.125%
HK$132,085
baseline
▲ 0.50% · 4.625%
HK$140,122
+HK$8,037/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$264,170/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,286,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,272
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$141,981
−HK$3,762/mo
Today · 4.125%
HK$145,743
baseline
▲ 0.50% · 4.625%
HK$153,425
+HK$7,682/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$291,486/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,286,980 · Scale 2, in force from 26 Feb 2026)