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$69,498
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,660
−HK$2,196/mo
Today · 4.125%
HK$73,856
baseline
▲ 0.50% · 4.625%
HK$78,350
+HK$4,494/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,712/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,316
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,390
−HK$2,103/mo
Today · 4.125%
HK$81,493
baseline
▲ 0.50% · 4.625%
HK$85,789
+HK$4,296/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,986/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,398
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,992
−HK$2,636/mo
Today · 4.125%
HK$88,628
baseline
▲ 0.50% · 4.625%
HK$94,021
+HK$5,393/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,256/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,779
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,268
−HK$2,524/mo
Today · 4.125%
HK$97,792
baseline
▲ 0.50% · 4.625%
HK$102,947
+HK$5,155/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,584/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,298
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,324
−HK$3,075/mo
Today · 4.125%
HK$103,399
baseline
▲ 0.50% · 4.625%
HK$109,691
+HK$6,292/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,798/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,243
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,146
−HK$2,945/mo
Today · 4.125%
HK$114,091
baseline
▲ 0.50% · 4.625%
HK$120,105
+HK$6,014/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,182/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,097
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$128,988
−HK$3,954/mo
Today · 4.125%
HK$132,942
baseline
▲ 0.50% · 4.625%
HK$141,031
+HK$8,089/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,884/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,169
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$142,902
−HK$3,786/mo
Today · 4.125%
HK$146,688
baseline
▲ 0.50% · 4.625%
HK$154,420
+HK$7,732/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,376/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,328 · Scale 2, in force from 26 Feb 2026)