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$68,864
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,006
−HK$2,176/mo
Today · 4.125%
HK$73,182
baseline
▲ 0.50% · 4.625%
HK$77,635
+HK$4,453/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,364/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,610
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,665
−HK$2,084/mo
Today · 4.125%
HK$80,749
baseline
▲ 0.50% · 4.625%
HK$85,005
+HK$4,256/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,498/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,636
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,207
−HK$2,611/mo
Today · 4.125%
HK$87,818
baseline
▲ 0.50% · 4.625%
HK$93,162
+HK$5,344/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,636/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,932
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,398
−HK$2,501/mo
Today · 4.125%
HK$96,899
baseline
▲ 0.50% · 4.625%
HK$102,007
+HK$5,108/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,798/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,409
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,408
−HK$3,047/mo
Today · 4.125%
HK$102,455
baseline
▲ 0.50% · 4.625%
HK$108,689
+HK$6,234/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,910/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,254
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,131
−HK$2,918/mo
Today · 4.125%
HK$113,049
baseline
▲ 0.50% · 4.625%
HK$119,008
+HK$5,959/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,098/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,954
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$127,810
−HK$3,917/mo
Today · 4.125%
HK$131,727
baseline
▲ 0.50% · 4.625%
HK$139,743
+HK$8,016/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,454/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,898
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$141,596
−HK$3,752/mo
Today · 4.125%
HK$145,348
baseline
▲ 0.50% · 4.625%
HK$153,010
+HK$7,662/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,696/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,497 · Scale 2, in force from 26 Feb 2026)