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$69,527
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,689
−HK$2,197/mo
Today · 4.125%
HK$73,886
baseline
▲ 0.50% · 4.625%
HK$78,382
+HK$4,496/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,772/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,348
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,422
−HK$2,104/mo
Today · 4.125%
HK$81,526
baseline
▲ 0.50% · 4.625%
HK$85,824
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,052/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,432
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,027
−HK$2,637/mo
Today · 4.125%
HK$88,664
baseline
▲ 0.50% · 4.625%
HK$94,059
+HK$5,395/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$177,328/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,817
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,306
−HK$2,526/mo
Today · 4.125%
HK$97,832
baseline
▲ 0.50% · 4.625%
HK$102,989
+HK$5,157/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$195,664/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,337
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,365
−HK$3,076/mo
Today · 4.125%
HK$103,441
baseline
▲ 0.50% · 4.625%
HK$109,735
+HK$6,294/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,882/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,287
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,191
−HK$2,946/mo
Today · 4.125%
HK$114,137
baseline
▲ 0.50% · 4.625%
HK$120,153
+HK$6,016/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,274/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,148
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$129,041
−HK$3,955/mo
Today · 4.125%
HK$132,996
baseline
▲ 0.50% · 4.625%
HK$141,088
+HK$8,092/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,992/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,226
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,960
−HK$3,788/mo
Today · 4.125%
HK$146,748
baseline
▲ 0.50% · 4.625%
HK$154,483
+HK$7,735/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,496/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,853 · Scale 2, in force from 26 Feb 2026)