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$68,935
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,079
−HK$2,179/mo
Today · 4.125%
HK$73,258
baseline
▲ 0.50% · 4.625%
HK$77,715
+HK$4,457/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,516/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,689
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,746
−HK$2,087/mo
Today · 4.125%
HK$80,833
baseline
▲ 0.50% · 4.625%
HK$85,093
+HK$4,260/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,666/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,722
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,295
−HK$2,614/mo
Today · 4.125%
HK$87,909
baseline
▲ 0.50% · 4.625%
HK$93,258
+HK$5,349/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,818/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,027
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,495
−HK$2,504/mo
Today · 4.125%
HK$96,999
baseline
▲ 0.50% · 4.625%
HK$102,112
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$193,998/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,509
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,511
−HK$3,050/mo
Today · 4.125%
HK$102,561
baseline
▲ 0.50% · 4.625%
HK$108,801
+HK$6,240/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,122/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,365
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,245
−HK$2,921/mo
Today · 4.125%
HK$113,166
baseline
▲ 0.50% · 4.625%
HK$119,131
+HK$5,965/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,332/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,083
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,942
−HK$3,922/mo
Today · 4.125%
HK$131,864
baseline
▲ 0.50% · 4.625%
HK$139,887
+HK$8,023/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,728/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,041
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,743
−HK$3,756/mo
Today · 4.125%
HK$145,499
baseline
▲ 0.50% · 4.625%
HK$153,168
+HK$7,669/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$290,998/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,825 · Scale 2, in force from 26 Feb 2026)