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$68,886
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,029
−HK$2,177/mo
Today · 4.125%
HK$73,206
baseline
▲ 0.50% · 4.625%
HK$77,661
+HK$4,455/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,412/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,636
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,691
−HK$2,085/mo
Today · 4.125%
HK$80,776
baseline
▲ 0.50% · 4.625%
HK$85,034
+HK$4,258/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,552/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,664
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,235
−HK$2,613/mo
Today · 4.125%
HK$87,848
baseline
▲ 0.50% · 4.625%
HK$93,193
+HK$5,345/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$175,696/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,963
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,429
−HK$2,502/mo
Today · 4.125%
HK$96,931
baseline
▲ 0.50% · 4.625%
HK$102,040
+HK$5,109/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$193,862/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,441
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,441
−HK$3,048/mo
Today · 4.125%
HK$102,489
baseline
▲ 0.50% · 4.625%
HK$108,725
+HK$6,236/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$204,978/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,290
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,167
−HK$2,919/mo
Today · 4.125%
HK$113,086
baseline
▲ 0.50% · 4.625%
HK$119,047
+HK$5,961/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$226,172/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,996
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$127,853
−HK$3,918/mo
Today · 4.125%
HK$131,771
baseline
▲ 0.50% · 4.625%
HK$139,789
+HK$8,018/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,542/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,944
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$141,644
−HK$3,753/mo
Today · 4.125%
HK$145,397
baseline
▲ 0.50% · 4.625%
HK$153,061
+HK$7,664/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,794/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,924 · Scale 2, in force from 26 Feb 2026)