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$68,683
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,819
−HK$2,171/mo
Today · 4.125%
HK$72,990
baseline
▲ 0.50% · 4.625%
HK$77,431
+HK$4,441/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,980/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,409
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,458
−HK$2,079/mo
Today · 4.125%
HK$80,537
baseline
▲ 0.50% · 4.625%
HK$84,782
+HK$4,245/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,074/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,419
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,983
−HK$2,605/mo
Today · 4.125%
HK$87,588
baseline
▲ 0.50% · 4.625%
HK$92,917
+HK$5,329/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,176/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,691
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,150
−HK$2,494/mo
Today · 4.125%
HK$96,644
baseline
▲ 0.50% · 4.625%
HK$101,739
+HK$5,095/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,288/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,156
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,147
−HK$3,039/mo
Today · 4.125%
HK$102,186
baseline
▲ 0.50% · 4.625%
HK$108,404
+HK$6,218/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$204,372/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,973
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$109,841
−HK$2,911/mo
Today · 4.125%
HK$112,752
baseline
▲ 0.50% · 4.625%
HK$118,695
+HK$5,943/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$225,504/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,629
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,475
−HK$3,907/mo
Today · 4.125%
HK$131,382
baseline
▲ 0.50% · 4.625%
HK$139,376
+HK$7,994/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,764/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,536
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$141,225
−HK$3,742/mo
Today · 4.125%
HK$144,967
baseline
▲ 0.50% · 4.625%
HK$152,608
+HK$7,641/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,934/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,128 · Scale 2, in force from 26 Feb 2026)