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$68,869
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,011
−HK$2,177/mo
Today · 4.125%
HK$73,188
baseline
▲ 0.50% · 4.625%
HK$77,641
+HK$4,453/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,376/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,616
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,671
−HK$2,084/mo
Today · 4.125%
HK$80,755
baseline
▲ 0.50% · 4.625%
HK$85,012
+HK$4,257/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,510/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,643
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,213
−HK$2,612/mo
Today · 4.125%
HK$87,825
baseline
▲ 0.50% · 4.625%
HK$93,169
+HK$5,344/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,650/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,939
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,405
−HK$2,501/mo
Today · 4.125%
HK$96,906
baseline
▲ 0.50% · 4.625%
HK$102,014
+HK$5,108/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,812/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,416
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,416
−HK$3,047/mo
Today · 4.125%
HK$102,463
baseline
▲ 0.50% · 4.625%
HK$108,697
+HK$6,234/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,926/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,262
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,139
−HK$2,918/mo
Today · 4.125%
HK$113,057
baseline
▲ 0.50% · 4.625%
HK$119,017
+HK$5,960/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,114/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,964
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$127,820
−HK$3,918/mo
Today · 4.125%
HK$131,738
baseline
▲ 0.50% · 4.625%
HK$139,754
+HK$8,016/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,476/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,909
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$141,607
−HK$3,753/mo
Today · 4.125%
HK$145,360
baseline
▲ 0.50% · 4.625%
HK$153,022
+HK$7,662/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,720/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,597 · Scale 2, in force from 26 Feb 2026)