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$69,145
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,296
−HK$2,185/mo
Today · 4.125%
HK$73,481
baseline
▲ 0.50% · 4.625%
HK$77,952
+HK$4,471/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,962/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,923
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,986
−HK$2,093/mo
Today · 4.125%
HK$81,079
baseline
▲ 0.50% · 4.625%
HK$85,353
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,158/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,974
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,555
−HK$2,622/mo
Today · 4.125%
HK$88,177
baseline
▲ 0.50% · 4.625%
HK$93,543
+HK$5,366/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,354/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,308
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,783
−HK$2,512/mo
Today · 4.125%
HK$97,295
baseline
▲ 0.50% · 4.625%
HK$102,423
+HK$5,128/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,590/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,803
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,814
−HK$3,059/mo
Today · 4.125%
HK$102,873
baseline
▲ 0.50% · 4.625%
HK$109,133
+HK$6,260/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,746/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,692
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,581
−HK$2,930/mo
Today · 4.125%
HK$113,511
baseline
▲ 0.50% · 4.625%
HK$119,494
+HK$5,983/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,022/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,461
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,332
−HK$3,934/mo
Today · 4.125%
HK$132,266
baseline
▲ 0.50% · 4.625%
HK$140,314
+HK$8,048/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,532/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,462
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,175
−HK$3,767/mo
Today · 4.125%
HK$145,942
baseline
▲ 0.50% · 4.625%
HK$153,635
+HK$7,693/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,884/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,742 · Scale 2, in force from 26 Feb 2026)