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$68,808
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,949
−HK$2,174/mo
Today · 4.125%
HK$73,123
baseline
▲ 0.50% · 4.625%
HK$77,572
+HK$4,449/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,246/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,548
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,601
−HK$2,083/mo
Today · 4.125%
HK$80,684
baseline
▲ 0.50% · 4.625%
HK$84,937
+HK$4,253/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,368/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,570
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,138
−HK$2,610/mo
Today · 4.125%
HK$87,748
baseline
▲ 0.50% · 4.625%
HK$93,087
+HK$5,339/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,496/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,858
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,322
−HK$2,499/mo
Today · 4.125%
HK$96,821
baseline
▲ 0.50% · 4.625%
HK$101,925
+HK$5,104/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,642/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,332
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,328
−HK$3,044/mo
Today · 4.125%
HK$102,372
baseline
▲ 0.50% · 4.625%
HK$108,601
+HK$6,229/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,744/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,168
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,042
−HK$2,916/mo
Today · 4.125%
HK$112,958
baseline
▲ 0.50% · 4.625%
HK$118,912
+HK$5,954/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,916/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,855
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,707
−HK$3,915/mo
Today · 4.125%
HK$131,622
baseline
▲ 0.50% · 4.625%
HK$139,630
+HK$8,008/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$263,244/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,787
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,483
−HK$3,748/mo
Today · 4.125%
HK$145,231
baseline
▲ 0.50% · 4.625%
HK$152,887
+HK$7,656/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$290,462/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,466 · Scale 2, in force from 26 Feb 2026)