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$69,176
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,327
−HK$2,186/mo
Today · 4.125%
HK$73,513
baseline
▲ 0.50% · 4.625%
HK$77,987
+HK$4,474/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,026/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,957
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$79,021
−HK$2,094/mo
Today · 4.125%
HK$81,115
baseline
▲ 0.50% · 4.625%
HK$85,390
+HK$4,275/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,230/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,011
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,593
−HK$2,623/mo
Today · 4.125%
HK$88,216
baseline
▲ 0.50% · 4.625%
HK$93,584
+HK$5,368/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,432/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,348
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,825
−HK$2,513/mo
Today · 4.125%
HK$97,338
baseline
▲ 0.50% · 4.625%
HK$102,469
+HK$5,131/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,676/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,846
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,858
−HK$3,061/mo
Today · 4.125%
HK$102,919
baseline
▲ 0.50% · 4.625%
HK$109,181
+HK$6,262/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,838/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,740
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,629
−HK$2,932/mo
Today · 4.125%
HK$113,561
baseline
▲ 0.50% · 4.625%
HK$119,547
+HK$5,986/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,122/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,516
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$128,389
−HK$3,935/mo
Today · 4.125%
HK$132,324
baseline
▲ 0.50% · 4.625%
HK$140,376
+HK$8,052/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,648/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,523
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$142,238
−HK$3,769/mo
Today · 4.125%
HK$146,007
baseline
▲ 0.50% · 4.625%
HK$153,703
+HK$7,696/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$292,014/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,311 · Scale 2, in force from 26 Feb 2026)