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$68,814
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,955
−HK$2,175/mo
Today · 4.125%
HK$73,130
baseline
▲ 0.50% · 4.625%
HK$77,579
+HK$4,449/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,260/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,555
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,608
−HK$2,083/mo
Today · 4.125%
HK$80,691
baseline
▲ 0.50% · 4.625%
HK$84,945
+HK$4,254/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,382/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,577
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,146
−HK$2,610/mo
Today · 4.125%
HK$87,756
baseline
▲ 0.50% · 4.625%
HK$93,095
+HK$5,339/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,512/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,866
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,330
−HK$2,500/mo
Today · 4.125%
HK$96,830
baseline
▲ 0.50% · 4.625%
HK$101,934
+HK$5,104/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,660/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,340
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,337
−HK$3,044/mo
Today · 4.125%
HK$102,381
baseline
▲ 0.50% · 4.625%
HK$108,611
+HK$6,230/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,762/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,177
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,052
−HK$2,916/mo
Today · 4.125%
HK$112,968
baseline
▲ 0.50% · 4.625%
HK$118,923
+HK$5,955/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,936/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,866
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,719
−HK$3,914/mo
Today · 4.125%
HK$131,633
baseline
▲ 0.50% · 4.625%
HK$139,643
+HK$8,010/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$263,266/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,800
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,495
−HK$3,749/mo
Today · 4.125%
HK$145,244
baseline
▲ 0.50% · 4.625%
HK$152,900
+HK$7,656/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$290,488/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,580 · Scale 2, in force from 26 Feb 2026)