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$69,352
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,509
−HK$2,192/mo
Today · 4.125%
HK$73,701
baseline
▲ 0.50% · 4.625%
HK$78,185
+HK$4,484/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,402/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,153
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,222
−HK$2,100/mo
Today · 4.125%
HK$81,322
baseline
▲ 0.50% · 4.625%
HK$85,608
+HK$4,286/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,644/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,222
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,811
−HK$2,630/mo
Today · 4.125%
HK$88,441
baseline
▲ 0.50% · 4.625%
HK$93,822
+HK$5,381/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,882/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,584
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,067
−HK$2,519/mo
Today · 4.125%
HK$97,586
baseline
▲ 0.50% · 4.625%
HK$102,730
+HK$5,144/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,172/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,093
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,113
−HK$3,068/mo
Today · 4.125%
HK$103,181
baseline
▲ 0.50% · 4.625%
HK$109,460
+HK$6,279/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$206,362/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,015
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,911
−HK$2,939/mo
Today · 4.125%
HK$113,850
baseline
▲ 0.50% · 4.625%
HK$119,851
+HK$6,001/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$227,700/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,833
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$128,716
−HK$3,946/mo
Today · 4.125%
HK$132,662
baseline
▲ 0.50% · 4.625%
HK$140,734
+HK$8,072/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,324/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,876
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$142,600
−HK$3,779/mo
Today · 4.125%
HK$146,379
baseline
▲ 0.50% · 4.625%
HK$154,095
+HK$7,716/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,758/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,599 · Scale 2, in force from 26 Feb 2026)