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$69,237
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,390
−HK$2,189/mo
Today · 4.125%
HK$73,579
baseline
▲ 0.50% · 4.625%
HK$78,056
+HK$4,477/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,158/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,025
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,091
−HK$2,096/mo
Today · 4.125%
HK$81,187
baseline
▲ 0.50% · 4.625%
HK$85,466
+HK$4,279/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,374/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,084
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,669
−HK$2,625/mo
Today · 4.125%
HK$88,294
baseline
▲ 0.50% · 4.625%
HK$93,667
+HK$5,373/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,588/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,430
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,909
−HK$2,515/mo
Today · 4.125%
HK$97,424
baseline
▲ 0.50% · 4.625%
HK$102,559
+HK$5,135/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,848/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,932
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,947
−HK$3,063/mo
Today · 4.125%
HK$103,010
baseline
▲ 0.50% · 4.625%
HK$109,278
+HK$6,268/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$206,020/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,835
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,727
−HK$2,934/mo
Today · 4.125%
HK$113,661
baseline
▲ 0.50% · 4.625%
HK$119,653
+HK$5,992/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,322/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,626
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$128,503
−HK$3,938/mo
Today · 4.125%
HK$132,441
baseline
▲ 0.50% · 4.625%
HK$140,500
+HK$8,059/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$264,882/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,645
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$142,364
−HK$3,772/mo
Today · 4.125%
HK$146,136
baseline
▲ 0.50% · 4.625%
HK$153,839
+HK$7,703/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$292,272/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,454 · Scale 2, in force from 26 Feb 2026)