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$68,736
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,874
−HK$2,173/mo
Today · 4.125%
HK$73,047
baseline
▲ 0.50% · 4.625%
HK$77,491
+HK$4,444/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,094/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,281,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,468
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,519
−HK$2,081/mo
Today · 4.125%
HK$80,600
baseline
▲ 0.50% · 4.625%
HK$84,848
+HK$4,248/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,200/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,281,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,484
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,049
−HK$2,607/mo
Today · 4.125%
HK$87,656
baseline
▲ 0.50% · 4.625%
HK$92,990
+HK$5,334/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,312/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,762
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,223
−HK$2,497/mo
Today · 4.125%
HK$96,720
baseline
▲ 0.50% · 4.625%
HK$101,818
+HK$5,098/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,440/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,231
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,224
−HK$3,041/mo
Today · 4.125%
HK$102,265
baseline
▲ 0.50% · 4.625%
HK$108,488
+HK$6,223/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,530/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,281,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,056
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,927
−HK$2,913/mo
Today · 4.125%
HK$112,840
baseline
▲ 0.50% · 4.625%
HK$118,788
+HK$5,948/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,680/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,281,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,725
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$127,574
−HK$3,910/mo
Today · 4.125%
HK$131,484
baseline
▲ 0.50% · 4.625%
HK$139,484
+HK$8,000/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$262,968/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,643
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$141,335
−HK$3,745/mo
Today · 4.125%
HK$145,080
baseline
▲ 0.50% · 4.625%
HK$152,727
+HK$7,647/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$290,160/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,125 · Scale 2, in force from 26 Feb 2026)