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$68,760
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,899
−HK$2,173/mo
Today · 4.125%
HK$73,072
baseline
▲ 0.50% · 4.625%
HK$77,518
+HK$4,446/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,144/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,495
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,546
−HK$2,081/mo
Today · 4.125%
HK$80,627
baseline
▲ 0.50% · 4.625%
HK$84,877
+HK$4,250/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,254/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,512
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,078
−HK$2,608/mo
Today · 4.125%
HK$87,686
baseline
▲ 0.50% · 4.625%
HK$93,021
+HK$5,335/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,372/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,794
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,255
−HK$2,498/mo
Today · 4.125%
HK$96,753
baseline
▲ 0.50% · 4.625%
HK$101,853
+HK$5,100/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,506/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,264
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$99,258
−HK$3,042/mo
Today · 4.125%
HK$102,300
baseline
▲ 0.50% · 4.625%
HK$108,525
+HK$6,225/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,600/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,092
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,965
−HK$2,913/mo
Today · 4.125%
HK$112,878
baseline
▲ 0.50% · 4.625%
HK$118,828
+HK$5,950/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,756/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,768
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,618
−HK$3,911/mo
Today · 4.125%
HK$131,529
baseline
▲ 0.50% · 4.625%
HK$139,532
+HK$8,003/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,058/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,690
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,383
−HK$3,746/mo
Today · 4.125%
HK$145,129
baseline
▲ 0.50% · 4.625%
HK$152,779
+HK$7,650/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,258/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,563 · Scale 2, in force from 26 Feb 2026)