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$68,561
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,693
−HK$2,167/mo
Today · 4.125%
HK$72,860
baseline
▲ 0.50% · 4.625%
HK$77,293
+HK$4,433/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,720/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,273
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,319
−HK$2,075/mo
Today · 4.125%
HK$80,394
baseline
▲ 0.50% · 4.625%
HK$84,632
+HK$4,238/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,788/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,273
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,832
−HK$2,600/mo
Today · 4.125%
HK$87,432
baseline
▲ 0.50% · 4.625%
HK$92,752
+HK$5,320/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,864/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,528
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,982
−HK$2,491/mo
Today · 4.125%
HK$96,473
baseline
▲ 0.50% · 4.625%
HK$101,558
+HK$5,085/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,946/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,985
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,971
−HK$3,033/mo
Today · 4.125%
HK$102,004
baseline
▲ 0.50% · 4.625%
HK$108,211
+HK$6,207/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,008/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,782
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,646
−HK$2,905/mo
Today · 4.125%
HK$112,551
baseline
▲ 0.50% · 4.625%
HK$118,484
+HK$5,933/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,102/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,409
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,248
−HK$3,900/mo
Today · 4.125%
HK$131,148
baseline
▲ 0.50% · 4.625%
HK$139,128
+HK$7,980/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,296/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,292
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$140,974
−HK$3,735/mo
Today · 4.125%
HK$144,709
baseline
▲ 0.50% · 4.625%
HK$152,337
+HK$7,628/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,418/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,852 · Scale 2, in force from 26 Feb 2026)