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$69,233
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,387
−HK$2,188/mo
Today · 4.125%
HK$73,575
baseline
▲ 0.50% · 4.625%
HK$78,052
+HK$4,477/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,150/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,021
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,087
−HK$2,095/mo
Today · 4.125%
HK$81,182
baseline
▲ 0.50% · 4.625%
HK$85,462
+HK$4,280/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,364/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,080
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,664
−HK$2,626/mo
Today · 4.125%
HK$88,290
baseline
▲ 0.50% · 4.625%
HK$93,662
+HK$5,372/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$176,580/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,425
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,904
−HK$2,515/mo
Today · 4.125%
HK$97,419
baseline
▲ 0.50% · 4.625%
HK$102,554
+HK$5,135/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$194,838/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,926
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,941
−HK$3,064/mo
Today · 4.125%
HK$103,005
baseline
▲ 0.50% · 4.625%
HK$109,272
+HK$6,267/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$206,010/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,830
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,722
−HK$2,933/mo
Today · 4.125%
HK$113,655
baseline
▲ 0.50% · 4.625%
HK$119,646
+HK$5,991/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,310/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,620
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$128,496
−HK$3,939/mo
Today · 4.125%
HK$132,435
baseline
▲ 0.50% · 4.625%
HK$140,493
+HK$8,058/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$264,870/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,638
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$142,356
−HK$3,772/mo
Today · 4.125%
HK$146,128
baseline
▲ 0.50% · 4.625%
HK$153,831
+HK$7,703/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$292,256/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,387 · Scale 2, in force from 26 Feb 2026)