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$68,789
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,928
−HK$2,174/mo
Today · 4.125%
HK$73,102
baseline
▲ 0.50% · 4.625%
HK$77,550
+HK$4,448/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,204/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,527
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,579
−HK$2,082/mo
Today · 4.125%
HK$80,661
baseline
▲ 0.50% · 4.625%
HK$84,913
+HK$4,252/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,322/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,546
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,114
−HK$2,609/mo
Today · 4.125%
HK$87,723
baseline
▲ 0.50% · 4.625%
HK$93,060
+HK$5,337/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,446/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,832
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,295
−HK$2,498/mo
Today · 4.125%
HK$96,793
baseline
▲ 0.50% · 4.625%
HK$101,895
+HK$5,102/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,586/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,304
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,300
−HK$3,043/mo
Today · 4.125%
HK$102,343
baseline
▲ 0.50% · 4.625%
HK$108,570
+HK$6,227/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,686/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,137
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,011
−HK$2,915/mo
Today · 4.125%
HK$112,926
baseline
▲ 0.50% · 4.625%
HK$118,878
+HK$5,952/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,852/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,819
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$127,671
−HK$3,913/mo
Today · 4.125%
HK$131,584
baseline
▲ 0.50% · 4.625%
HK$139,591
+HK$8,007/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$263,168/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,748
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,442
−HK$3,748/mo
Today · 4.125%
HK$145,190
baseline
▲ 0.50% · 4.625%
HK$152,843
+HK$7,653/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$290,380/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,099 · Scale 2, in force from 26 Feb 2026)