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$69,258
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,412
−HK$2,189/mo
Today · 4.125%
HK$73,601
baseline
▲ 0.50% · 4.625%
HK$78,079
+HK$4,478/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,202/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,049
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,115
−HK$2,096/mo
Today · 4.125%
HK$81,211
baseline
▲ 0.50% · 4.625%
HK$85,492
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,422/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,110
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,695
−HK$2,626/mo
Today · 4.125%
HK$88,321
baseline
▲ 0.50% · 4.625%
HK$93,695
+HK$5,374/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,642/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,458
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,938
−HK$2,516/mo
Today · 4.125%
HK$97,454
baseline
▲ 0.50% · 4.625%
HK$102,591
+HK$5,137/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,908/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,961
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,977
−HK$3,064/mo
Today · 4.125%
HK$103,041
baseline
▲ 0.50% · 4.625%
HK$109,311
+HK$6,270/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,082/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,868
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,761
−HK$2,935/mo
Today · 4.125%
HK$113,696
baseline
▲ 0.50% · 4.625%
HK$119,689
+HK$5,993/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,392/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,664
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,542
−HK$3,940/mo
Today · 4.125%
HK$132,482
baseline
▲ 0.50% · 4.625%
HK$140,543
+HK$8,061/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$264,964/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,688
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,407
−HK$3,774/mo
Today · 4.125%
HK$146,181
baseline
▲ 0.50% · 4.625%
HK$153,886
+HK$7,705/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,362/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,847 · Scale 2, in force from 26 Feb 2026)