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$69,507
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,670
−HK$2,196/mo
Today · 4.125%
HK$73,866
baseline
▲ 0.50% · 4.625%
HK$78,361
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,732/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,326
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,400
−HK$2,104/mo
Today · 4.125%
HK$81,504
baseline
▲ 0.50% · 4.625%
HK$85,800
+HK$4,296/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,008/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,409
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$86,003
−HK$2,636/mo
Today · 4.125%
HK$88,639
baseline
▲ 0.50% · 4.625%
HK$94,033
+HK$5,394/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,278/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,792
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,280
−HK$2,525/mo
Today · 4.125%
HK$97,805
baseline
▲ 0.50% · 4.625%
HK$102,960
+HK$5,155/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,610/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,310
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,337
−HK$3,076/mo
Today · 4.125%
HK$103,413
baseline
▲ 0.50% · 4.625%
HK$109,705
+HK$6,292/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$206,826/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,257
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,160
−HK$2,946/mo
Today · 4.125%
HK$114,106
baseline
▲ 0.50% · 4.625%
HK$120,120
+HK$6,014/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$228,212/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,113
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$129,005
−HK$3,954/mo
Today · 4.125%
HK$132,959
baseline
▲ 0.50% · 4.625%
HK$141,049
+HK$8,090/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,918/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,187
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,920
−HK$3,787/mo
Today · 4.125%
HK$146,707
baseline
▲ 0.50% · 4.625%
HK$154,440
+HK$7,733/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,414/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,498 · Scale 2, in force from 26 Feb 2026)