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$68,718
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,855
−HK$2,172/mo
Today · 4.125%
HK$73,027
baseline
▲ 0.50% · 4.625%
HK$77,471
+HK$4,444/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,054/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,448
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,498
−HK$2,080/mo
Today · 4.125%
HK$80,578
baseline
▲ 0.50% · 4.625%
HK$84,826
+HK$4,248/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,156/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,461
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,026
−HK$2,606/mo
Today · 4.125%
HK$87,632
baseline
▲ 0.50% · 4.625%
HK$92,965
+HK$5,333/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,264/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,737
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,198
−HK$2,496/mo
Today · 4.125%
HK$96,694
baseline
▲ 0.50% · 4.625%
HK$101,791
+HK$5,097/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,388/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,205
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,197
−HK$3,041/mo
Today · 4.125%
HK$102,238
baseline
▲ 0.50% · 4.625%
HK$108,459
+HK$6,221/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,476/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,027
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,897
−HK$2,912/mo
Today · 4.125%
HK$112,809
baseline
▲ 0.50% · 4.625%
HK$118,756
+HK$5,947/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,618/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,692
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$127,540
−HK$3,909/mo
Today · 4.125%
HK$131,449
baseline
▲ 0.50% · 4.625%
HK$139,447
+HK$7,998/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,898/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,606
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,297
−HK$3,744/mo
Today · 4.125%
HK$145,041
baseline
▲ 0.50% · 4.625%
HK$152,686
+HK$7,645/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,082/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,781 · Scale 2, in force from 26 Feb 2026)