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$69,269
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,424
−HK$2,189/mo
Today · 4.125%
HK$73,613
baseline
▲ 0.50% · 4.625%
HK$78,092
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,226/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,061
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,128
−HK$2,097/mo
Today · 4.125%
HK$81,225
baseline
▲ 0.50% · 4.625%
HK$85,506
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,450/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,123
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,709
−HK$2,626/mo
Today · 4.125%
HK$88,335
baseline
▲ 0.50% · 4.625%
HK$93,710
+HK$5,375/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,670/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,473
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,954
−HK$2,515/mo
Today · 4.125%
HK$97,469
baseline
▲ 0.50% · 4.625%
HK$102,607
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,938/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,977
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,993
−HK$3,065/mo
Today · 4.125%
HK$103,058
baseline
▲ 0.50% · 4.625%
HK$109,329
+HK$6,271/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,116/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,291,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,886
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,779
−HK$2,935/mo
Today · 4.125%
HK$113,714
baseline
▲ 0.50% · 4.625%
HK$119,708
+HK$5,994/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,428/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,291,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,684
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,563
−HK$3,940/mo
Today · 4.125%
HK$132,503
baseline
▲ 0.50% · 4.625%
HK$140,566
+HK$8,063/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$265,006/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,710
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,430
−HK$3,774/mo
Today · 4.125%
HK$146,204
baseline
▲ 0.50% · 4.625%
HK$153,911
+HK$7,707/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,408/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,056 · Scale 2, in force from 26 Feb 2026)