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$68,652
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,787
−HK$2,170/mo
Today · 4.125%
HK$72,957
baseline
▲ 0.50% · 4.625%
HK$77,396
+HK$4,439/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,914/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,375
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,423
−HK$2,078/mo
Today · 4.125%
HK$80,501
baseline
▲ 0.50% · 4.625%
HK$84,744
+HK$4,243/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$161,002/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,382
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,945
−HK$2,604/mo
Today · 4.125%
HK$87,549
baseline
▲ 0.50% · 4.625%
HK$92,876
+HK$5,327/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,098/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,650
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,108
−HK$2,493/mo
Today · 4.125%
HK$96,601
baseline
▲ 0.50% · 4.625%
HK$101,693
+HK$5,092/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,202/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,113
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,102
−HK$3,038/mo
Today · 4.125%
HK$102,140
baseline
▲ 0.50% · 4.625%
HK$108,355
+HK$6,215/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,280/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,925
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$109,792
−HK$2,909/mo
Today · 4.125%
HK$112,701
baseline
▲ 0.50% · 4.625%
HK$118,642
+HK$5,941/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,402/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,574
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,417
−HK$3,906/mo
Today · 4.125%
HK$131,323
baseline
▲ 0.50% · 4.625%
HK$139,313
+HK$7,990/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$262,646/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,474
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$141,161
−HK$3,741/mo
Today · 4.125%
HK$144,902
baseline
▲ 0.50% · 4.625%
HK$152,540
+HK$7,638/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$289,804/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,554 · Scale 2, in force from 26 Feb 2026)