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$68,849
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,991
−HK$2,176/mo
Today · 4.125%
HK$73,167
baseline
▲ 0.50% · 4.625%
HK$77,619
+HK$4,452/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,334/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,594
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,648
−HK$2,084/mo
Today · 4.125%
HK$80,732
baseline
▲ 0.50% · 4.625%
HK$84,988
+HK$4,256/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,464/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,619
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,189
−HK$2,611/mo
Today · 4.125%
HK$87,800
baseline
▲ 0.50% · 4.625%
HK$93,142
+HK$5,342/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,600/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,913
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,378
−HK$2,501/mo
Today · 4.125%
HK$96,879
baseline
▲ 0.50% · 4.625%
HK$101,985
+HK$5,106/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,758/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,389
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,387
−HK$3,046/mo
Today · 4.125%
HK$102,433
baseline
▲ 0.50% · 4.625%
HK$108,666
+HK$6,233/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,866/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,232
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,108
−HK$2,917/mo
Today · 4.125%
HK$113,025
baseline
▲ 0.50% · 4.625%
HK$118,983
+HK$5,958/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,050/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,929
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$127,783
−HK$3,917/mo
Today · 4.125%
HK$131,700
baseline
▲ 0.50% · 4.625%
HK$139,714
+HK$8,014/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$263,400/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,869
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,567
−HK$3,751/mo
Today · 4.125%
HK$145,318
baseline
▲ 0.50% · 4.625%
HK$152,978
+HK$7,660/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$290,636/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,230 · Scale 2, in force from 26 Feb 2026)