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$69,510
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,672
−HK$2,197/mo
Today · 4.125%
HK$73,869
baseline
▲ 0.50% · 4.625%
HK$78,364
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,738/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,329
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,403
−HK$2,104/mo
Today · 4.125%
HK$81,507
baseline
▲ 0.50% · 4.625%
HK$85,803
+HK$4,296/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,014/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,412
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,007
−HK$2,636/mo
Today · 4.125%
HK$88,643
baseline
▲ 0.50% · 4.625%
HK$94,036
+HK$5,393/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,286/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,795
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,284
−HK$2,524/mo
Today · 4.125%
HK$97,808
baseline
▲ 0.50% · 4.625%
HK$102,964
+HK$5,156/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,616/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,314
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,341
−HK$3,075/mo
Today · 4.125%
HK$103,416
baseline
▲ 0.50% · 4.625%
HK$109,709
+HK$6,293/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,832/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,261
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,164
−HK$2,946/mo
Today · 4.125%
HK$114,110
baseline
▲ 0.50% · 4.625%
HK$120,125
+HK$6,015/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,220/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,118
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$129,010
−HK$3,954/mo
Today · 4.125%
HK$132,964
baseline
▲ 0.50% · 4.625%
HK$141,055
+HK$8,091/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,928/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,193
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,926
−HK$3,787/mo
Today · 4.125%
HK$146,713
baseline
▲ 0.50% · 4.625%
HK$154,446
+HK$7,733/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,426/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,546 · Scale 2, in force from 26 Feb 2026)