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$69,052
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,199
−HK$2,183/mo
Today · 4.125%
HK$73,382
baseline
▲ 0.50% · 4.625%
HK$77,847
+HK$4,465/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,764/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,819
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,879
−HK$2,090/mo
Today · 4.125%
HK$80,969
baseline
▲ 0.50% · 4.625%
HK$85,237
+HK$4,268/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,938/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,862
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,439
−HK$2,619/mo
Today · 4.125%
HK$88,058
baseline
▲ 0.50% · 4.625%
HK$93,416
+HK$5,358/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$176,116/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,183
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,655
−HK$2,508/mo
Today · 4.125%
HK$97,163
baseline
▲ 0.50% · 4.625%
HK$102,285
+HK$5,122/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$194,326/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,672
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$99,679
−HK$3,055/mo
Today · 4.125%
HK$102,734
baseline
▲ 0.50% · 4.625%
HK$108,985
+HK$6,251/mo
Deposit HK$9.08M · loan HK$21.20M · min. income ≈ HK$205,468/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,547
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$110,431
−HK$2,926/mo
Today · 4.125%
HK$113,357
baseline
▲ 0.50% · 4.625%
HK$119,332
+HK$5,975/mo
Deposit HK$9.08M · loan HK$21.20M · min. income ≈ HK$226,714/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,293
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$128,159
−HK$3,928/mo
Today · 4.125%
HK$132,087
baseline
▲ 0.50% · 4.625%
HK$140,124
+HK$8,037/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$264,174/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,274
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$141,983
−HK$3,762/mo
Today · 4.125%
HK$145,745
baseline
▲ 0.50% · 4.625%
HK$153,427
+HK$7,682/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$291,490/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,001 · Scale 2, in force from 26 Feb 2026)