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$69,309
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,465
−HK$2,191/mo
Today · 4.125%
HK$73,656
baseline
▲ 0.50% · 4.625%
HK$78,138
+HK$4,482/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,312/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,106
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,174
−HK$2,098/mo
Today · 4.125%
HK$81,272
baseline
▲ 0.50% · 4.625%
HK$85,556
+HK$4,284/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,544/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,171
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,758
−HK$2,629/mo
Today · 4.125%
HK$88,387
baseline
▲ 0.50% · 4.625%
HK$93,765
+HK$5,378/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,774/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,527
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,009
−HK$2,517/mo
Today · 4.125%
HK$97,526
baseline
▲ 0.50% · 4.625%
HK$102,667
+HK$5,141/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,052/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,033
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,051
−HK$3,067/mo
Today · 4.125%
HK$103,118
baseline
▲ 0.50% · 4.625%
HK$109,393
+HK$6,275/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,236/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,948
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,844
−HK$2,937/mo
Today · 4.125%
HK$113,781
baseline
▲ 0.50% · 4.625%
HK$119,778
+HK$5,997/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,562/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,757
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$128,638
−HK$3,942/mo
Today · 4.125%
HK$132,580
baseline
▲ 0.50% · 4.625%
HK$140,648
+HK$8,068/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,160/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,791
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$142,513
−HK$3,776/mo
Today · 4.125%
HK$146,289
baseline
▲ 0.50% · 4.625%
HK$154,000
+HK$7,711/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,578/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,807 · Scale 2, in force from 26 Feb 2026)