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$68,756
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,895
−HK$2,172/mo
Today · 4.125%
HK$73,067
baseline
▲ 0.50% · 4.625%
HK$77,513
+HK$4,446/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,134/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,490
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,542
−HK$2,081/mo
Today · 4.125%
HK$80,623
baseline
▲ 0.50% · 4.625%
HK$84,872
+HK$4,249/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,246/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,507
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,073
−HK$2,608/mo
Today · 4.125%
HK$87,681
baseline
▲ 0.50% · 4.625%
HK$93,016
+HK$5,335/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,362/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,788
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,250
−HK$2,497/mo
Today · 4.125%
HK$96,747
baseline
▲ 0.50% · 4.625%
HK$101,847
+HK$5,100/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,494/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,258
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$99,252
−HK$3,042/mo
Today · 4.125%
HK$102,294
baseline
▲ 0.50% · 4.625%
HK$108,519
+HK$6,225/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,588/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,086
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,958
−HK$2,914/mo
Today · 4.125%
HK$112,872
baseline
▲ 0.50% · 4.625%
HK$118,821
+HK$5,949/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,744/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,761
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$127,610
−HK$3,911/mo
Today · 4.125%
HK$131,521
baseline
▲ 0.50% · 4.625%
HK$139,524
+HK$8,003/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,042/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,682
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,375
−HK$3,746/mo
Today · 4.125%
HK$145,121
baseline
▲ 0.50% · 4.625%
HK$152,770
+HK$7,649/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,242/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,490 · Scale 2, in force from 26 Feb 2026)