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$69,144
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,295
−HK$2,185/mo
Today · 4.125%
HK$73,480
baseline
▲ 0.50% · 4.625%
HK$77,951
+HK$4,471/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,960/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,922
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,985
−HK$2,093/mo
Today · 4.125%
HK$81,078
baseline
▲ 0.50% · 4.625%
HK$85,352
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,156/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,973
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,554
−HK$2,622/mo
Today · 4.125%
HK$88,176
baseline
▲ 0.50% · 4.625%
HK$93,541
+HK$5,365/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,352/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,306
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,782
−HK$2,511/mo
Today · 4.125%
HK$97,293
baseline
▲ 0.50% · 4.625%
HK$102,422
+HK$5,129/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,586/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,802
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,813
−HK$3,059/mo
Today · 4.125%
HK$102,872
baseline
▲ 0.50% · 4.625%
HK$109,131
+HK$6,259/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,744/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,691
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,579
−HK$2,930/mo
Today · 4.125%
HK$113,509
baseline
▲ 0.50% · 4.625%
HK$119,492
+HK$5,983/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,018/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,459
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,331
−HK$3,933/mo
Today · 4.125%
HK$132,264
baseline
▲ 0.50% · 4.625%
HK$140,312
+HK$8,048/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,528/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,460
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,173
−HK$3,767/mo
Today · 4.125%
HK$145,940
baseline
▲ 0.50% · 4.625%
HK$153,633
+HK$7,693/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,880/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,724 · Scale 2, in force from 26 Feb 2026)