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$69,416
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,576
−HK$2,193/mo
Today · 4.125%
HK$73,769
baseline
▲ 0.50% · 4.625%
HK$78,258
+HK$4,489/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,538/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,225
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,296
−HK$2,101/mo
Today · 4.125%
HK$81,397
baseline
▲ 0.50% · 4.625%
HK$85,688
+HK$4,291/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,794/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,300
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,891
−HK$2,632/mo
Today · 4.125%
HK$88,523
baseline
▲ 0.50% · 4.625%
HK$93,910
+HK$5,387/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,046/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,670
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,155
−HK$2,522/mo
Today · 4.125%
HK$97,677
baseline
▲ 0.50% · 4.625%
HK$102,825
+HK$5,148/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,354/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,183
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,206
−HK$3,071/mo
Today · 4.125%
HK$103,277
baseline
▲ 0.50% · 4.625%
HK$109,561
+HK$6,284/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$206,554/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,115
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,015
−HK$2,941/mo
Today · 4.125%
HK$113,956
baseline
▲ 0.50% · 4.625%
HK$119,963
+HK$6,007/mo
Deposit HK$9.13M · loan HK$21.31M · min. income ≈ HK$227,912/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,293,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,950
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$128,836
−HK$3,949/mo
Today · 4.125%
HK$132,785
baseline
▲ 0.50% · 4.625%
HK$140,865
+HK$8,080/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$265,570/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,005
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$142,733
−HK$3,782/mo
Today · 4.125%
HK$146,515
baseline
▲ 0.50% · 4.625%
HK$154,238
+HK$7,723/mo
Deposit HK$3.04M · loan HK$27.40M · min. income ≈ HK$293,030/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,801 · Scale 2, in force from 26 Feb 2026)