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$68,719
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,856
−HK$2,172/mo
Today · 4.125%
HK$73,028
baseline
▲ 0.50% · 4.625%
HK$77,472
+HK$4,444/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,056/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,449
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,499
−HK$2,080/mo
Today · 4.125%
HK$80,579
baseline
▲ 0.50% · 4.625%
HK$84,827
+HK$4,248/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,158/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,463
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,028
−HK$2,606/mo
Today · 4.125%
HK$87,634
baseline
▲ 0.50% · 4.625%
HK$92,966
+HK$5,332/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,268/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,739
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,199
−HK$2,496/mo
Today · 4.125%
HK$96,695
baseline
▲ 0.50% · 4.625%
HK$101,792
+HK$5,097/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,390/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,206
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,199
−HK$3,040/mo
Today · 4.125%
HK$102,239
baseline
▲ 0.50% · 4.625%
HK$108,461
+HK$6,222/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,478/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,029
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,899
−HK$2,912/mo
Today · 4.125%
HK$112,811
baseline
▲ 0.50% · 4.625%
HK$118,758
+HK$5,947/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,622/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,694
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$127,542
−HK$3,909/mo
Today · 4.125%
HK$131,451
baseline
▲ 0.50% · 4.625%
HK$139,449
+HK$7,998/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,902/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,608
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,299
−HK$3,744/mo
Today · 4.125%
HK$145,043
baseline
▲ 0.50% · 4.625%
HK$152,688
+HK$7,645/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,086/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,801 · Scale 2, in force from 26 Feb 2026)