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$69,571
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,735
−HK$2,198/mo
Today · 4.125%
HK$73,933
baseline
▲ 0.50% · 4.625%
HK$78,432
+HK$4,499/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,866/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,397
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,473
−HK$2,105/mo
Today · 4.125%
HK$81,578
baseline
▲ 0.50% · 4.625%
HK$85,878
+HK$4,300/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,156/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,485
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,082
−HK$2,638/mo
Today · 4.125%
HK$88,720
baseline
▲ 0.50% · 4.625%
HK$94,119
+HK$5,399/mo
Deposit HK$12.20M · loan HK$18.31M · min. income ≈ HK$177,440/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,876
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,367
−HK$2,527/mo
Today · 4.125%
HK$97,894
baseline
▲ 0.50% · 4.625%
HK$103,054
+HK$5,160/mo
Deposit HK$12.20M · loan HK$18.31M · min. income ≈ HK$195,788/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,399
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,429
−HK$3,078/mo
Today · 4.125%
HK$103,507
baseline
▲ 0.50% · 4.625%
HK$109,805
+HK$6,298/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$207,014/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,355
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,262
−HK$2,948/mo
Today · 4.125%
HK$114,210
baseline
▲ 0.50% · 4.625%
HK$120,230
+HK$6,020/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$228,420/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,227
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,123
−HK$3,957/mo
Today · 4.125%
HK$133,080
baseline
▲ 0.50% · 4.625%
HK$141,178
+HK$8,098/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$266,160/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,314
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,051
−HK$3,790/mo
Today · 4.125%
HK$146,841
baseline
▲ 0.50% · 4.625%
HK$154,581
+HK$7,740/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$293,682/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,678 · Scale 2, in force from 26 Feb 2026)