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$68,958
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,103
−HK$2,179/mo
Today · 4.125%
HK$73,282
baseline
▲ 0.50% · 4.625%
HK$77,742
+HK$4,460/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,564/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,715
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,773
−HK$2,087/mo
Today · 4.125%
HK$80,860
baseline
▲ 0.50% · 4.625%
HK$85,122
+HK$4,262/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,720/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,750
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,324
−HK$2,615/mo
Today · 4.125%
HK$87,939
baseline
▲ 0.50% · 4.625%
HK$93,290
+HK$5,351/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$175,878/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,058
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,527
−HK$2,505/mo
Today · 4.125%
HK$97,032
baseline
▲ 0.50% · 4.625%
HK$102,147
+HK$5,115/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$194,064/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,541
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,544
−HK$3,051/mo
Today · 4.125%
HK$102,595
baseline
▲ 0.50% · 4.625%
HK$108,838
+HK$6,243/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,190/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,401
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,282
−HK$2,922/mo
Today · 4.125%
HK$113,204
baseline
▲ 0.50% · 4.625%
HK$119,171
+HK$5,967/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,408/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,125
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$127,986
−HK$3,922/mo
Today · 4.125%
HK$131,908
baseline
▲ 0.50% · 4.625%
HK$139,935
+HK$8,027/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,816/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,087
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$141,791
−HK$3,757/mo
Today · 4.125%
HK$145,548
baseline
▲ 0.50% · 4.625%
HK$153,220
+HK$7,672/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,096/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,260 · Scale 2, in force from 26 Feb 2026)