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$68,562
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,694
−HK$2,167/mo
Today · 4.125%
HK$72,861
baseline
▲ 0.50% · 4.625%
HK$77,294
+HK$4,433/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,722/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,274
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,320
−HK$2,075/mo
Today · 4.125%
HK$80,395
baseline
▲ 0.50% · 4.625%
HK$84,633
+HK$4,238/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,790/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,274
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,833
−HK$2,600/mo
Today · 4.125%
HK$87,433
baseline
▲ 0.50% · 4.625%
HK$92,753
+HK$5,320/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,866/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,529
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,984
−HK$2,490/mo
Today · 4.125%
HK$96,474
baseline
▲ 0.50% · 4.625%
HK$101,559
+HK$5,085/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,948/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,986
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,972
−HK$3,033/mo
Today · 4.125%
HK$102,005
baseline
▲ 0.50% · 4.625%
HK$108,212
+HK$6,207/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,010/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,784
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,647
−HK$2,906/mo
Today · 4.125%
HK$112,553
baseline
▲ 0.50% · 4.625%
HK$118,486
+HK$5,933/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,106/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,411
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,250
−HK$3,900/mo
Today · 4.125%
HK$131,150
baseline
▲ 0.50% · 4.625%
HK$139,130
+HK$7,980/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,300/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,293
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$140,975
−HK$3,736/mo
Today · 4.125%
HK$144,711
baseline
▲ 0.50% · 4.625%
HK$152,339
+HK$7,628/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,422/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,868 · Scale 2, in force from 26 Feb 2026)