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$68,649
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,784
−HK$2,170/mo
Today · 4.125%
HK$72,954
baseline
▲ 0.50% · 4.625%
HK$77,393
+HK$4,439/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,908/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,371
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,419
−HK$2,078/mo
Today · 4.125%
HK$80,497
baseline
▲ 0.50% · 4.625%
HK$84,740
+HK$4,243/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,994/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,379
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,941
−HK$2,604/mo
Today · 4.125%
HK$87,545
baseline
▲ 0.50% · 4.625%
HK$92,871
+HK$5,326/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,090/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,645
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,103
−HK$2,494/mo
Today · 4.125%
HK$96,597
baseline
▲ 0.50% · 4.625%
HK$101,689
+HK$5,092/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,194/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,108
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,098
−HK$3,037/mo
Today · 4.125%
HK$102,135
baseline
▲ 0.50% · 4.625%
HK$108,350
+HK$6,215/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,270/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,920
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$109,787
−HK$2,909/mo
Today · 4.125%
HK$112,696
baseline
▲ 0.50% · 4.625%
HK$118,637
+HK$5,941/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,392/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,568
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,412
−HK$3,905/mo
Today · 4.125%
HK$131,317
baseline
▲ 0.50% · 4.625%
HK$139,307
+HK$7,990/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$262,634/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,468
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$141,155
−HK$3,740/mo
Today · 4.125%
HK$144,895
baseline
▲ 0.50% · 4.625%
HK$152,533
+HK$7,638/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$289,790/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,496 · Scale 2, in force from 26 Feb 2026)