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$69,048
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,195
−HK$2,182/mo
Today · 4.125%
HK$73,377
baseline
▲ 0.50% · 4.625%
HK$77,842
+HK$4,465/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,754/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,286,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,815
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,875
−HK$2,090/mo
Today · 4.125%
HK$80,965
baseline
▲ 0.50% · 4.625%
HK$85,233
+HK$4,268/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,930/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,286,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,857
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,434
−HK$2,619/mo
Today · 4.125%
HK$88,053
baseline
▲ 0.50% · 4.625%
HK$93,411
+HK$5,358/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$176,106/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,178
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,650
−HK$2,508/mo
Today · 4.125%
HK$97,158
baseline
▲ 0.50% · 4.625%
HK$102,279
+HK$5,121/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$194,316/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,667
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,673
−HK$3,055/mo
Today · 4.125%
HK$102,728
baseline
▲ 0.50% · 4.625%
HK$108,979
+HK$6,251/mo
Deposit HK$9.08M · loan HK$21.20M · min. income ≈ HK$205,456/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,541
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$110,425
−HK$2,926/mo
Today · 4.125%
HK$113,351
baseline
▲ 0.50% · 4.625%
HK$119,326
+HK$5,975/mo
Deposit HK$9.08M · loan HK$21.20M · min. income ≈ HK$226,702/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,286
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$128,152
−HK$3,927/mo
Today · 4.125%
HK$132,079
baseline
▲ 0.50% · 4.625%
HK$140,116
+HK$8,037/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$264,158/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,266
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$141,975
−HK$3,762/mo
Today · 4.125%
HK$145,737
baseline
▲ 0.50% · 4.625%
HK$153,419
+HK$7,682/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$291,474/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,926 · Scale 2, in force from 26 Feb 2026)