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$68,672
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,808
−HK$2,171/mo
Today · 4.125%
HK$72,979
baseline
▲ 0.50% · 4.625%
HK$77,419
+HK$4,440/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,958/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,397
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,446
−HK$2,079/mo
Today · 4.125%
HK$80,525
baseline
▲ 0.50% · 4.625%
HK$84,769
+HK$4,244/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,050/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,407
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,970
−HK$2,604/mo
Today · 4.125%
HK$87,574
baseline
▲ 0.50% · 4.625%
HK$92,903
+HK$5,329/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,148/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,279,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,677
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,135
−HK$2,495/mo
Today · 4.125%
HK$96,630
baseline
▲ 0.50% · 4.625%
HK$101,723
+HK$5,093/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,260/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,279,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,141
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,132
−HK$3,038/mo
Today · 4.125%
HK$102,170
baseline
▲ 0.50% · 4.625%
HK$108,387
+HK$6,217/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$204,340/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,956
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,824
−HK$2,910/mo
Today · 4.125%
HK$112,734
baseline
▲ 0.50% · 4.625%
HK$118,677
+HK$5,943/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$225,468/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,610
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$127,455
−HK$3,906/mo
Today · 4.125%
HK$131,361
baseline
▲ 0.50% · 4.625%
HK$139,354
+HK$7,993/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$262,722/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,515
−HK$7,429/mo
▼ 0.25% · 3.875%
HK$141,203
−HK$3,741/mo
Today · 4.125%
HK$144,944
baseline
▲ 0.50% · 4.625%
HK$152,584
+HK$7,640/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$289,888/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,930 · Scale 2, in force from 26 Feb 2026)