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$68,805
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,945
−HK$2,174/mo
Today · 4.125%
HK$73,119
baseline
▲ 0.50% · 4.625%
HK$77,568
+HK$4,449/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,238/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,544
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,597
−HK$2,083/mo
Today · 4.125%
HK$80,680
baseline
▲ 0.50% · 4.625%
HK$84,933
+HK$4,253/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,360/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,566
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,134
−HK$2,609/mo
Today · 4.125%
HK$87,743
baseline
▲ 0.50% · 4.625%
HK$93,082
+HK$5,339/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,486/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,853
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,317
−HK$2,499/mo
Today · 4.125%
HK$96,816
baseline
▲ 0.50% · 4.625%
HK$101,919
+HK$5,103/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,632/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,326
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,323
−HK$3,044/mo
Today · 4.125%
HK$102,367
baseline
▲ 0.50% · 4.625%
HK$108,596
+HK$6,229/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,734/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,162
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,036
−HK$2,916/mo
Today · 4.125%
HK$112,952
baseline
▲ 0.50% · 4.625%
HK$118,906
+HK$5,954/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,904/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,848
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,701
−HK$3,914/mo
Today · 4.125%
HK$131,615
baseline
▲ 0.50% · 4.625%
HK$139,623
+HK$8,008/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$263,230/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,780
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,475
−HK$3,749/mo
Today · 4.125%
HK$145,224
baseline
▲ 0.50% · 4.625%
HK$152,879
+HK$7,655/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$290,448/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,398 · Scale 2, in force from 26 Feb 2026)