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$69,025
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,172
−HK$2,182/mo
Today · 4.125%
HK$73,354
baseline
▲ 0.50% · 4.625%
HK$77,817
+HK$4,463/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,708/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,790
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,849
−HK$2,089/mo
Today · 4.125%
HK$80,938
baseline
▲ 0.50% · 4.625%
HK$85,205
+HK$4,267/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,876/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,830
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,407
−HK$2,617/mo
Today · 4.125%
HK$88,024
baseline
▲ 0.50% · 4.625%
HK$93,380
+HK$5,356/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$176,048/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,148
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,619
−HK$2,507/mo
Today · 4.125%
HK$97,126
baseline
▲ 0.50% · 4.625%
HK$102,246
+HK$5,120/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$194,252/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,635
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,641
−HK$3,054/mo
Today · 4.125%
HK$102,695
baseline
▲ 0.50% · 4.625%
HK$108,944
+HK$6,249/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$205,390/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,506
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,389
−HK$2,925/mo
Today · 4.125%
HK$113,314
baseline
▲ 0.50% · 4.625%
HK$119,287
+HK$5,973/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$226,628/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,245
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$128,110
−HK$3,926/mo
Today · 4.125%
HK$132,036
baseline
▲ 0.50% · 4.625%
HK$140,070
+HK$8,034/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$264,072/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,221
−HK$7,468/mo
▼ 0.25% · 3.875%
HK$141,928
−HK$3,761/mo
Today · 4.125%
HK$145,689
baseline
▲ 0.50% · 4.625%
HK$153,369
+HK$7,680/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,378/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,507 · Scale 2, in force from 26 Feb 2026)