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$68,758
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,897
−HK$2,173/mo
Today · 4.125%
HK$73,070
baseline
▲ 0.50% · 4.625%
HK$77,516
+HK$4,446/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,140/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,493
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,544
−HK$2,082/mo
Today · 4.125%
HK$80,626
baseline
▲ 0.50% · 4.625%
HK$84,875
+HK$4,249/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,252/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,510
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,076
−HK$2,608/mo
Today · 4.125%
HK$87,684
baseline
▲ 0.50% · 4.625%
HK$93,019
+HK$5,335/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,368/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,791
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,253
−HK$2,498/mo
Today · 4.125%
HK$96,751
baseline
▲ 0.50% · 4.625%
HK$101,851
+HK$5,100/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,502/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,262
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$99,256
−HK$3,042/mo
Today · 4.125%
HK$102,298
baseline
▲ 0.50% · 4.625%
HK$108,523
+HK$6,225/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,596/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,090
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,962
−HK$2,914/mo
Today · 4.125%
HK$112,876
baseline
▲ 0.50% · 4.625%
HK$118,826
+HK$5,950/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,752/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,765
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,615
−HK$3,911/mo
Today · 4.125%
HK$131,526
baseline
▲ 0.50% · 4.625%
HK$139,529
+HK$8,003/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,052/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,687
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,380
−HK$3,746/mo
Today · 4.125%
HK$145,126
baseline
▲ 0.50% · 4.625%
HK$152,776
+HK$7,650/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,252/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,535 · Scale 2, in force from 26 Feb 2026)