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$68,945
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,089
−HK$2,179/mo
Today · 4.125%
HK$73,268
baseline
▲ 0.50% · 4.625%
HK$77,727
+HK$4,459/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,536/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,285,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,700
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,758
−HK$2,086/mo
Today · 4.125%
HK$80,844
baseline
▲ 0.50% · 4.625%
HK$85,106
+HK$4,262/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,688/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,285,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,734
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,307
−HK$2,615/mo
Today · 4.125%
HK$87,922
baseline
▲ 0.50% · 4.625%
HK$93,272
+HK$5,350/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,844/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,041
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,509
−HK$2,504/mo
Today · 4.125%
HK$97,013
baseline
▲ 0.50% · 4.625%
HK$102,127
+HK$5,114/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$194,026/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,523
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,525
−HK$3,051/mo
Today · 4.125%
HK$102,576
baseline
▲ 0.50% · 4.625%
HK$108,817
+HK$6,241/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,152/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,381
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,261
−HK$2,921/mo
Today · 4.125%
HK$113,182
baseline
▲ 0.50% · 4.625%
HK$119,148
+HK$5,966/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,364/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,101
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$127,961
−HK$3,922/mo
Today · 4.125%
HK$131,883
baseline
▲ 0.50% · 4.625%
HK$139,908
+HK$8,025/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,766/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,061
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$141,764
−HK$3,756/mo
Today · 4.125%
HK$145,520
baseline
▲ 0.50% · 4.625%
HK$153,190
+HK$7,670/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,040/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,012 · Scale 2, in force from 26 Feb 2026)