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$68,737
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,875
−HK$2,172/mo
Today · 4.125%
HK$73,047
baseline
▲ 0.50% · 4.625%
HK$77,492
+HK$4,445/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$1,281,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,469
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,520
−HK$2,080/mo
Today · 4.125%
HK$80,600
baseline
▲ 0.50% · 4.625%
HK$84,849
+HK$4,249/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$1,281,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,484
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,050
−HK$2,606/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$1,281,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,763
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,224
−HK$2,496/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$1,281,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,231
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,225
−HK$3,041/mo
Today · 4.125%
HK$102,266
baseline
▲ 0.50% · 4.625%
HK$108,488
+HK$6,222/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,532/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,281,130 · 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$1,281,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,726
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$127,574
−HK$3,911/mo
Today · 4.125%
HK$131,485
baseline
▲ 0.50% · 4.625%
HK$139,485
+HK$8,000/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$262,970/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,644
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,335
−HK$3,745/mo
Today · 4.125%
HK$145,080
baseline
▲ 0.50% · 4.625%
HK$152,728
+HK$7,648/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$1,281,130 · Scale 2, in force from 26 Feb 2026)