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$68,792
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,931
−HK$2,175/mo
Today · 4.125%
HK$73,106
baseline
▲ 0.50% · 4.625%
HK$77,554
+HK$4,448/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,212/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,530
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,583
−HK$2,082/mo
Today · 4.125%
HK$80,665
baseline
▲ 0.50% · 4.625%
HK$84,917
+HK$4,252/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,330/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,550
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,118
−HK$2,609/mo
Today · 4.125%
HK$87,727
baseline
▲ 0.50% · 4.625%
HK$93,065
+HK$5,338/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,454/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,836
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,299
−HK$2,499/mo
Today · 4.125%
HK$96,798
baseline
▲ 0.50% · 4.625%
HK$101,900
+HK$5,102/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,596/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,308
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,304
−HK$3,044/mo
Today · 4.125%
HK$102,348
baseline
▲ 0.50% · 4.625%
HK$108,575
+HK$6,227/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,696/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,142
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,016
−HK$2,915/mo
Today · 4.125%
HK$112,931
baseline
▲ 0.50% · 4.625%
HK$118,883
+HK$5,952/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,862/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,825
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$127,677
−HK$3,913/mo
Today · 4.125%
HK$131,590
baseline
▲ 0.50% · 4.625%
HK$139,597
+HK$8,007/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$263,180/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,754
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,449
−HK$3,747/mo
Today · 4.125%
HK$145,196
baseline
▲ 0.50% · 4.625%
HK$152,850
+HK$7,654/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$290,392/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,157 · Scale 2, in force from 26 Feb 2026)