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$68,855
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,996
−HK$2,176/mo
Today · 4.125%
HK$73,172
baseline
▲ 0.50% · 4.625%
HK$77,625
+HK$4,453/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,344/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,600
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,655
−HK$2,084/mo
Today · 4.125%
HK$80,739
baseline
▲ 0.50% · 4.625%
HK$84,994
+HK$4,255/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,478/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,626
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,196
−HK$2,611/mo
Today · 4.125%
HK$87,807
baseline
▲ 0.50% · 4.625%
HK$93,150
+HK$5,343/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,614/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,920
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,385
−HK$2,501/mo
Today · 4.125%
HK$96,886
baseline
▲ 0.50% · 4.625%
HK$101,993
+HK$5,107/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,772/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,397
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,395
−HK$3,046/mo
Today · 4.125%
HK$102,441
baseline
▲ 0.50% · 4.625%
HK$108,675
+HK$6,234/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,882/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,240
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,116
−HK$2,918/mo
Today · 4.125%
HK$113,034
baseline
▲ 0.50% · 4.625%
HK$118,992
+HK$5,958/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,068/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,938
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,794
−HK$3,916/mo
Today · 4.125%
HK$131,710
baseline
▲ 0.50% · 4.625%
HK$139,725
+HK$8,015/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,420/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,880
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$141,578
−HK$3,752/mo
Today · 4.125%
HK$145,330
baseline
▲ 0.50% · 4.625%
HK$152,990
+HK$7,660/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,660/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,332 · Scale 2, in force from 26 Feb 2026)