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$69,222
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,375
−HK$2,187/mo
Today · 4.125%
HK$73,562
baseline
▲ 0.50% · 4.625%
HK$78,038
+HK$4,476/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,124/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,008
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,074
−HK$2,095/mo
Today · 4.125%
HK$81,169
baseline
▲ 0.50% · 4.625%
HK$85,447
+HK$4,278/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,338/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,066
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,650
−HK$2,625/mo
Today · 4.125%
HK$88,275
baseline
▲ 0.50% · 4.625%
HK$93,646
+HK$5,371/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,550/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,410
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,888
−HK$2,514/mo
Today · 4.125%
HK$97,402
baseline
▲ 0.50% · 4.625%
HK$102,537
+HK$5,135/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,804/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,910
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,925
−HK$3,062/mo
Today · 4.125%
HK$102,987
baseline
▲ 0.50% · 4.625%
HK$109,254
+HK$6,267/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,974/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,812
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,703
−HK$2,933/mo
Today · 4.125%
HK$113,636
baseline
▲ 0.50% · 4.625%
HK$119,626
+HK$5,990/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,272/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,599
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$128,474
−HK$3,938/mo
Today · 4.125%
HK$132,412
baseline
▲ 0.50% · 4.625%
HK$140,469
+HK$8,057/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,824/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,615
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$142,332
−HK$3,772/mo
Today · 4.125%
HK$146,104
baseline
▲ 0.50% · 4.625%
HK$153,805
+HK$7,701/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,208/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,168 · Scale 2, in force from 26 Feb 2026)