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$69,246
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,400
−HK$2,188/mo
Today · 4.125%
HK$73,588
baseline
▲ 0.50% · 4.625%
HK$78,066
+HK$4,478/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,176/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,035
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,101
−HK$2,096/mo
Today · 4.125%
HK$81,197
baseline
▲ 0.50% · 4.625%
HK$85,477
+HK$4,280/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,394/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,095
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,680
−HK$2,626/mo
Today · 4.125%
HK$88,306
baseline
▲ 0.50% · 4.625%
HK$93,679
+HK$5,373/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,612/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,442
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,921
−HK$2,516/mo
Today · 4.125%
HK$97,437
baseline
▲ 0.50% · 4.625%
HK$102,573
+HK$5,136/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,874/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,944
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,959
−HK$3,064/mo
Today · 4.125%
HK$103,023
baseline
▲ 0.50% · 4.625%
HK$109,292
+HK$6,269/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,046/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,849
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,742
−HK$2,934/mo
Today · 4.125%
HK$113,676
baseline
▲ 0.50% · 4.625%
HK$119,668
+HK$5,992/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,352/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,642
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$128,519
−HK$3,939/mo
Today · 4.125%
HK$132,458
baseline
▲ 0.50% · 4.625%
HK$140,518
+HK$8,060/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$264,916/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,663
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$142,382
−HK$3,773/mo
Today · 4.125%
HK$146,155
baseline
▲ 0.50% · 4.625%
HK$153,859
+HK$7,704/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$292,310/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,619 · Scale 2, in force from 26 Feb 2026)