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$68,778
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,917
−HK$2,174/mo
Today · 4.125%
HK$73,091
baseline
▲ 0.50% · 4.625%
HK$77,538
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,182/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,515
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,567
−HK$2,082/mo
Today · 4.125%
HK$80,649
baseline
▲ 0.50% · 4.625%
HK$84,900
+HK$4,251/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,298/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,534
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,101
−HK$2,608/mo
Today · 4.125%
HK$87,709
baseline
▲ 0.50% · 4.625%
HK$93,046
+HK$5,337/mo
Deposit HK$12.06M · loan HK$18.10M · min. income ≈ HK$175,418/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,818
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,280
−HK$2,498/mo
Today · 4.125%
HK$96,778
baseline
▲ 0.50% · 4.625%
HK$101,880
+HK$5,102/mo
Deposit HK$12.06M · loan HK$18.10M · min. income ≈ HK$193,556/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,289
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,284
−HK$3,043/mo
Today · 4.125%
HK$102,327
baseline
▲ 0.50% · 4.625%
HK$108,554
+HK$6,227/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,654/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,121
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,994
−HK$2,914/mo
Today · 4.125%
HK$112,908
baseline
▲ 0.50% · 4.625%
HK$118,860
+HK$5,952/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,816/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,800
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$127,651
−HK$3,913/mo
Today · 4.125%
HK$131,564
baseline
▲ 0.50% · 4.625%
HK$139,569
+HK$8,005/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$263,128/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,727
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$141,421
−HK$3,747/mo
Today · 4.125%
HK$145,168
baseline
▲ 0.50% · 4.625%
HK$152,820
+HK$7,652/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$290,336/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,903 · Scale 2, in force from 26 Feb 2026)