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$69,488
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,650
−HK$2,196/mo
Today · 4.125%
HK$73,846
baseline
▲ 0.50% · 4.625%
HK$78,339
+HK$4,493/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,692/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,305
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,378
−HK$2,103/mo
Today · 4.125%
HK$81,481
baseline
▲ 0.50% · 4.625%
HK$85,776
+HK$4,295/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,962/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,386
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,979
−HK$2,636/mo
Today · 4.125%
HK$88,615
baseline
▲ 0.50% · 4.625%
HK$94,007
+HK$5,392/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,230/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,295,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,766
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,254
−HK$2,524/mo
Today · 4.125%
HK$97,778
baseline
▲ 0.50% · 4.625%
HK$102,932
+HK$5,154/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,556/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,295,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,283
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,309
−HK$3,075/mo
Today · 4.125%
HK$103,384
baseline
▲ 0.50% · 4.625%
HK$109,675
+HK$6,291/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,768/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,227
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,129
−HK$2,945/mo
Today · 4.125%
HK$114,074
baseline
▲ 0.50% · 4.625%
HK$120,087
+HK$6,013/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,148/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,079
−HK$7,843/mo
▼ 0.25% · 3.875%
HK$128,969
−HK$3,953/mo
Today · 4.125%
HK$132,922
baseline
▲ 0.50% · 4.625%
HK$141,010
+HK$8,088/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,844/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,149
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,881
−HK$3,785/mo
Today · 4.125%
HK$146,666
baseline
▲ 0.50% · 4.625%
HK$154,397
+HK$7,731/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,332/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,137 · Scale 2, in force from 26 Feb 2026)