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$68,851
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,992
−HK$2,176/mo
Today · 4.125%
HK$73,168
baseline
▲ 0.50% · 4.625%
HK$77,620
+HK$4,452/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,336/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,596
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,650
−HK$2,084/mo
Today · 4.125%
HK$80,734
baseline
▲ 0.50% · 4.625%
HK$84,990
+HK$4,256/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,468/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,621
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,191
−HK$2,611/mo
Today · 4.125%
HK$87,802
baseline
▲ 0.50% · 4.625%
HK$93,145
+HK$5,343/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,604/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,915
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,380
−HK$2,501/mo
Today · 4.125%
HK$96,881
baseline
▲ 0.50% · 4.625%
HK$101,988
+HK$5,107/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,762/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,391
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,389
−HK$3,047/mo
Today · 4.125%
HK$102,436
baseline
▲ 0.50% · 4.625%
HK$108,669
+HK$6,233/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,872/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,234
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,110
−HK$2,918/mo
Today · 4.125%
HK$113,028
baseline
▲ 0.50% · 4.625%
HK$118,985
+HK$5,957/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,056/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,931
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,786
−HK$3,917/mo
Today · 4.125%
HK$131,703
baseline
▲ 0.50% · 4.625%
HK$139,717
+HK$8,014/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$263,406/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,872
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,570
−HK$3,751/mo
Today · 4.125%
HK$145,321
baseline
▲ 0.50% · 4.625%
HK$152,981
+HK$7,660/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$290,642/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,258 · Scale 2, in force from 26 Feb 2026)