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$69,386
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,545
−HK$2,193/mo
Today · 4.125%
HK$73,738
baseline
▲ 0.50% · 4.625%
HK$78,224
+HK$4,486/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,476/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,192
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,262
−HK$2,100/mo
Today · 4.125%
HK$81,362
baseline
▲ 0.50% · 4.625%
HK$85,651
+HK$4,289/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,724/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,264
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,854
−HK$2,631/mo
Today · 4.125%
HK$88,485
baseline
▲ 0.50% · 4.625%
HK$93,869
+HK$5,384/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$176,970/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,630
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,114
−HK$2,521/mo
Today · 4.125%
HK$97,635
baseline
▲ 0.50% · 4.625%
HK$102,781
+HK$5,146/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,270/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,141
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,163
−HK$3,070/mo
Today · 4.125%
HK$103,233
baseline
▲ 0.50% · 4.625%
HK$109,514
+HK$6,281/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,466/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,068
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,967
−HK$2,940/mo
Today · 4.125%
HK$113,907
baseline
▲ 0.50% · 4.625%
HK$119,911
+HK$6,004/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,814/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,896
−HK$7,832/mo
▼ 0.25% · 3.875%
HK$128,781
−HK$3,947/mo
Today · 4.125%
HK$132,728
baseline
▲ 0.50% · 4.625%
HK$140,804
+HK$8,076/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,456/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,945
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$142,672
−HK$3,780/mo
Today · 4.125%
HK$146,452
baseline
▲ 0.50% · 4.625%
HK$154,172
+HK$7,720/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,904/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,243 · Scale 2, in force from 26 Feb 2026)