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$68,768
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,907
−HK$2,173/mo
Today · 4.125%
HK$73,080
baseline
▲ 0.50% · 4.625%
HK$77,527
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,160/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,503
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,555
−HK$2,081/mo
Today · 4.125%
HK$80,636
baseline
▲ 0.50% · 4.625%
HK$84,887
+HK$4,251/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,272/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,521
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,088
−HK$2,608/mo
Today · 4.125%
HK$87,696
baseline
▲ 0.50% · 4.625%
HK$93,032
+HK$5,336/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,392/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,804
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,266
−HK$2,498/mo
Today · 4.125%
HK$96,764
baseline
▲ 0.50% · 4.625%
HK$101,864
+HK$5,100/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,528/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,275
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,269
−HK$3,043/mo
Today · 4.125%
HK$102,312
baseline
▲ 0.50% · 4.625%
HK$108,537
+HK$6,225/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,624/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,105
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,977
−HK$2,914/mo
Today · 4.125%
HK$112,891
baseline
▲ 0.50% · 4.625%
HK$118,842
+HK$5,951/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,782/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,782
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$127,632
−HK$3,912/mo
Today · 4.125%
HK$131,544
baseline
▲ 0.50% · 4.625%
HK$139,548
+HK$8,004/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,088/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,706
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$141,399
−HK$3,747/mo
Today · 4.125%
HK$145,146
baseline
▲ 0.50% · 4.625%
HK$152,796
+HK$7,650/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,292/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,708 · Scale 2, in force from 26 Feb 2026)