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$68,575
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,708
−HK$2,167/mo
Today · 4.125%
HK$72,875
baseline
▲ 0.50% · 4.625%
HK$77,310
+HK$4,435/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,750/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,278,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,289
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,335
−HK$2,076/mo
Today · 4.125%
HK$80,411
baseline
▲ 0.50% · 4.625%
HK$84,649
+HK$4,238/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,822/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,278,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,290
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,850
−HK$2,601/mo
Today · 4.125%
HK$87,451
baseline
▲ 0.50% · 4.625%
HK$92,772
+HK$5,321/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,902/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,547
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,002
−HK$2,491/mo
Today · 4.125%
HK$96,493
baseline
▲ 0.50% · 4.625%
HK$101,579
+HK$5,086/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,986/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,005
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$98,992
−HK$3,034/mo
Today · 4.125%
HK$102,026
baseline
▲ 0.50% · 4.625%
HK$108,234
+HK$6,208/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,052/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,805
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,669
−HK$2,906/mo
Today · 4.125%
HK$112,575
baseline
▲ 0.50% · 4.625%
HK$118,509
+HK$5,934/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,150/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,435
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$127,275
−HK$3,901/mo
Today · 4.125%
HK$131,176
baseline
▲ 0.50% · 4.625%
HK$139,158
+HK$7,982/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,352/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,321
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$141,004
−HK$3,736/mo
Today · 4.125%
HK$144,740
baseline
▲ 0.50% · 4.625%
HK$152,369
+HK$7,629/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,480/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,123 · Scale 2, in force from 26 Feb 2026)