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$68,671
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,807
−HK$2,171/mo
Today · 4.125%
HK$72,978
baseline
▲ 0.50% · 4.625%
HK$77,418
+HK$4,440/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,956/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,396
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,445
−HK$2,079/mo
Today · 4.125%
HK$80,524
baseline
▲ 0.50% · 4.625%
HK$84,768
+HK$4,244/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,048/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,406
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,969
−HK$2,604/mo
Today · 4.125%
HK$87,573
baseline
▲ 0.50% · 4.625%
HK$92,902
+HK$5,329/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,146/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,279,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,675
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,134
−HK$2,494/mo
Today · 4.125%
HK$96,628
baseline
▲ 0.50% · 4.625%
HK$101,722
+HK$5,094/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,256/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,279,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,140
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,130
−HK$3,039/mo
Today · 4.125%
HK$102,169
baseline
▲ 0.50% · 4.625%
HK$108,385
+HK$6,216/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$204,338/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,955
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,823
−HK$2,910/mo
Today · 4.125%
HK$112,733
baseline
▲ 0.50% · 4.625%
HK$118,675
+HK$5,942/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$225,466/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,608
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$127,453
−HK$3,907/mo
Today · 4.125%
HK$131,360
baseline
▲ 0.50% · 4.625%
HK$139,353
+HK$7,993/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$262,720/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,513
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$141,201
−HK$3,742/mo
Today · 4.125%
HK$144,943
baseline
▲ 0.50% · 4.625%
HK$152,583
+HK$7,640/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$289,886/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,915 · Scale 2, in force from 26 Feb 2026)