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$69,210
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,363
−HK$2,187/mo
Today · 4.125%
HK$73,550
baseline
▲ 0.50% · 4.625%
HK$78,025
+HK$4,475/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,100/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,289,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,995
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,060
−HK$2,095/mo
Today · 4.125%
HK$81,155
baseline
▲ 0.50% · 4.625%
HK$85,433
+HK$4,278/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,310/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,289,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,052
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,635
−HK$2,625/mo
Today · 4.125%
HK$88,260
baseline
▲ 0.50% · 4.625%
HK$93,630
+HK$5,370/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,520/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,394
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,872
−HK$2,514/mo
Today · 4.125%
HK$97,386
baseline
▲ 0.50% · 4.625%
HK$102,519
+HK$5,133/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,772/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,894
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,908
−HK$3,062/mo
Today · 4.125%
HK$102,970
baseline
▲ 0.50% · 4.625%
HK$109,235
+HK$6,265/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,940/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,289,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,793
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,684
−HK$2,933/mo
Today · 4.125%
HK$113,617
baseline
▲ 0.50% · 4.625%
HK$119,606
+HK$5,989/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,234/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,289,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,578
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,453
−HK$3,937/mo
Today · 4.125%
HK$132,390
baseline
▲ 0.50% · 4.625%
HK$140,445
+HK$8,055/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,780/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,289,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,591
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$142,308
−HK$3,771/mo
Today · 4.125%
HK$146,079
baseline
▲ 0.50% · 4.625%
HK$153,779
+HK$7,700/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,158/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,289,951 · Scale 2, in force from 26 Feb 2026)