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$68,937
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,082
−HK$2,178/mo
Today · 4.125%
HK$73,260
baseline
▲ 0.50% · 4.625%
HK$77,718
+HK$4,458/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,520/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,692
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,749
−HK$2,087/mo
Today · 4.125%
HK$80,836
baseline
▲ 0.50% · 4.625%
HK$85,097
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,672/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,725
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,298
−HK$2,615/mo
Today · 4.125%
HK$87,913
baseline
▲ 0.50% · 4.625%
HK$93,262
+HK$5,349/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,826/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,031
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,499
−HK$2,504/mo
Today · 4.125%
HK$97,003
baseline
▲ 0.50% · 4.625%
HK$102,116
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$194,006/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,512
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,515
−HK$3,050/mo
Today · 4.125%
HK$102,565
baseline
▲ 0.50% · 4.625%
HK$108,805
+HK$6,240/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,130/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,369
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,249
−HK$2,921/mo
Today · 4.125%
HK$113,170
baseline
▲ 0.50% · 4.625%
HK$119,135
+HK$5,965/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,340/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,087
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$127,947
−HK$3,922/mo
Today · 4.125%
HK$131,869
baseline
▲ 0.50% · 4.625%
HK$139,893
+HK$8,024/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,738/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,046
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,748
−HK$3,756/mo
Today · 4.125%
HK$145,504
baseline
▲ 0.50% · 4.625%
HK$153,174
+HK$7,670/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,008/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,875 · Scale 2, in force from 26 Feb 2026)