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$68,790
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,930
−HK$2,174/mo
Today · 4.125%
HK$73,104
baseline
▲ 0.50% · 4.625%
HK$77,552
+HK$4,448/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,208/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,528
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,581
−HK$2,082/mo
Today · 4.125%
HK$80,663
baseline
▲ 0.50% · 4.625%
HK$84,915
+HK$4,252/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,326/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,548
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,116
−HK$2,609/mo
Today · 4.125%
HK$87,725
baseline
▲ 0.50% · 4.625%
HK$93,062
+HK$5,337/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,450/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,834
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,297
−HK$2,498/mo
Today · 4.125%
HK$96,795
baseline
▲ 0.50% · 4.625%
HK$101,898
+HK$5,103/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,590/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,306
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,302
−HK$3,043/mo
Today · 4.125%
HK$102,345
baseline
▲ 0.50% · 4.625%
HK$108,573
+HK$6,228/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,690/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,139
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,013
−HK$2,915/mo
Today · 4.125%
HK$112,928
baseline
▲ 0.50% · 4.625%
HK$118,880
+HK$5,952/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,856/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,822
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$127,674
−HK$3,913/mo
Today · 4.125%
HK$131,587
baseline
▲ 0.50% · 4.625%
HK$139,593
+HK$8,006/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$263,174/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,751
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,445
−HK$3,748/mo
Today · 4.125%
HK$145,193
baseline
▲ 0.50% · 4.625%
HK$152,846
+HK$7,653/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$290,386/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,126 · Scale 2, in force from 26 Feb 2026)