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$68,786
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,925
−HK$2,174/mo
Today · 4.125%
HK$73,099
baseline
▲ 0.50% · 4.625%
HK$77,547
+HK$4,448/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,198/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,282,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,523
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,576
−HK$2,082/mo
Today · 4.125%
HK$80,658
baseline
▲ 0.50% · 4.625%
HK$84,909
+HK$4,251/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,316/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,282,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,543
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,110
−HK$2,609/mo
Today · 4.125%
HK$87,719
baseline
▲ 0.50% · 4.625%
HK$93,056
+HK$5,337/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,438/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,828
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,291
−HK$2,498/mo
Today · 4.125%
HK$96,789
baseline
▲ 0.50% · 4.625%
HK$101,891
+HK$5,102/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,578/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,300
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,295
−HK$3,044/mo
Today · 4.125%
HK$102,339
baseline
▲ 0.50% · 4.625%
HK$108,566
+HK$6,227/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,678/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,133
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$110,006
−HK$2,915/mo
Today · 4.125%
HK$112,921
baseline
▲ 0.50% · 4.625%
HK$118,873
+HK$5,952/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,842/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,814
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$127,665
−HK$3,913/mo
Today · 4.125%
HK$131,578
baseline
▲ 0.50% · 4.625%
HK$139,585
+HK$8,007/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$263,156/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,742
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,436
−HK$3,748/mo
Today · 4.125%
HK$145,184
baseline
▲ 0.50% · 4.625%
HK$152,837
+HK$7,653/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$290,368/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,045 · Scale 2, in force from 26 Feb 2026)