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$68,782
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,921
−HK$2,174/mo
Today · 4.125%
HK$73,095
baseline
▲ 0.50% · 4.625%
HK$77,542
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,190/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,519
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,571
−HK$2,082/mo
Today · 4.125%
HK$80,653
baseline
▲ 0.50% · 4.625%
HK$84,904
+HK$4,251/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,306/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,538
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,105
−HK$2,609/mo
Today · 4.125%
HK$87,714
baseline
▲ 0.50% · 4.625%
HK$93,051
+HK$5,337/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,428/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,823
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,285
−HK$2,498/mo
Today · 4.125%
HK$96,783
baseline
▲ 0.50% · 4.625%
HK$101,885
+HK$5,102/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,566/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,294
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,289
−HK$3,044/mo
Today · 4.125%
HK$102,333
baseline
▲ 0.50% · 4.625%
HK$108,559
+HK$6,226/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,666/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,126
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$109,999
−HK$2,915/mo
Today · 4.125%
HK$112,914
baseline
▲ 0.50% · 4.625%
HK$118,866
+HK$5,952/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,828/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,807
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$127,658
−HK$3,913/mo
Today · 4.125%
HK$131,571
baseline
▲ 0.50% · 4.625%
HK$139,576
+HK$8,005/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$263,142/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,734
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$141,428
−HK$3,747/mo
Today · 4.125%
HK$145,175
baseline
▲ 0.50% · 4.625%
HK$152,827
+HK$7,652/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$290,350/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,968 · Scale 2, in force from 26 Feb 2026)