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$69,388
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,546
−HK$2,193/mo
Today · 4.125%
HK$73,739
baseline
▲ 0.50% · 4.625%
HK$78,226
+HK$4,487/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,478/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,193
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,263
−HK$2,101/mo
Today · 4.125%
HK$81,364
baseline
▲ 0.50% · 4.625%
HK$85,652
+HK$4,288/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,728/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,265
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,855
−HK$2,632/mo
Today · 4.125%
HK$88,487
baseline
▲ 0.50% · 4.625%
HK$93,871
+HK$5,384/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$176,974/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,632
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,116
−HK$2,520/mo
Today · 4.125%
HK$97,636
baseline
▲ 0.50% · 4.625%
HK$102,783
+HK$5,147/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,272/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,143
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,165
−HK$3,070/mo
Today · 4.125%
HK$103,235
baseline
▲ 0.50% · 4.625%
HK$109,516
+HK$6,281/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,470/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,070
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,969
−HK$2,940/mo
Today · 4.125%
HK$113,909
baseline
▲ 0.50% · 4.625%
HK$119,913
+HK$6,004/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,818/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,898
−HK$7,832/mo
▼ 0.25% · 3.875%
HK$128,783
−HK$3,947/mo
Today · 4.125%
HK$132,730
baseline
▲ 0.50% · 4.625%
HK$140,806
+HK$8,076/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,460/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,948
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$142,674
−HK$3,781/mo
Today · 4.125%
HK$146,455
baseline
▲ 0.50% · 4.625%
HK$154,174
+HK$7,719/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,910/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,267 · Scale 2, in force from 26 Feb 2026)