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$69,496
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,657
−HK$2,197/mo
Today · 4.125%
HK$73,854
baseline
▲ 0.50% · 4.625%
HK$78,347
+HK$4,493/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,708/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,313
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,387
−HK$2,103/mo
Today · 4.125%
HK$81,490
baseline
▲ 0.50% · 4.625%
HK$85,786
+HK$4,296/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,980/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,395
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,989
−HK$2,635/mo
Today · 4.125%
HK$88,624
baseline
▲ 0.50% · 4.625%
HK$94,017
+HK$5,393/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,248/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,776
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,264
−HK$2,524/mo
Today · 4.125%
HK$97,788
baseline
▲ 0.50% · 4.625%
HK$102,943
+HK$5,155/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,576/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,294
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,320
−HK$3,075/mo
Today · 4.125%
HK$103,395
baseline
▲ 0.50% · 4.625%
HK$109,686
+HK$6,291/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,790/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,238
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,141
−HK$2,945/mo
Today · 4.125%
HK$114,086
baseline
▲ 0.50% · 4.625%
HK$120,100
+HK$6,014/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,172/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,092
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$128,983
−HK$3,953/mo
Today · 4.125%
HK$132,936
baseline
▲ 0.50% · 4.625%
HK$141,025
+HK$8,089/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,872/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,164
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$142,896
−HK$3,786/mo
Today · 4.125%
HK$146,682
baseline
▲ 0.50% · 4.625%
HK$154,414
+HK$7,732/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,364/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,276 · Scale 2, in force from 26 Feb 2026)