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$68,727
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,865
−HK$2,172/mo
Today · 4.125%
HK$73,037
baseline
▲ 0.50% · 4.625%
HK$77,481
+HK$4,444/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,074/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,458
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,509
−HK$2,080/mo
Today · 4.125%
HK$80,589
baseline
▲ 0.50% · 4.625%
HK$84,837
+HK$4,248/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,178/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,473
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,038
−HK$2,607/mo
Today · 4.125%
HK$87,645
baseline
▲ 0.50% · 4.625%
HK$92,977
+HK$5,332/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$175,290/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,750
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,211
−HK$2,496/mo
Today · 4.125%
HK$96,707
baseline
▲ 0.50% · 4.625%
HK$101,805
+HK$5,098/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$193,414/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,218
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,211
−HK$3,041/mo
Today · 4.125%
HK$102,252
baseline
▲ 0.50% · 4.625%
HK$108,474
+HK$6,222/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,504/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,042
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,913
−HK$2,912/mo
Today · 4.125%
HK$112,825
baseline
▲ 0.50% · 4.625%
HK$118,772
+HK$5,947/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,650/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,709
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,557
−HK$3,910/mo
Today · 4.125%
HK$131,467
baseline
▲ 0.50% · 4.625%
HK$139,466
+HK$7,999/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$262,934/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,625
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,316
−HK$3,745/mo
Today · 4.125%
HK$145,061
baseline
▲ 0.50% · 4.625%
HK$152,707
+HK$7,646/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$290,122/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,957 · Scale 2, in force from 26 Feb 2026)