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$68,654
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,790
−HK$2,169/mo
Today · 4.125%
HK$72,959
baseline
▲ 0.50% · 4.625%
HK$77,399
+HK$4,440/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,918/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,377
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,425
−HK$2,079/mo
Today · 4.125%
HK$80,504
baseline
▲ 0.50% · 4.625%
HK$84,747
+HK$4,243/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$161,008/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,385
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,948
−HK$2,603/mo
Today · 4.125%
HK$87,551
baseline
▲ 0.50% · 4.625%
HK$92,879
+HK$5,328/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,102/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,653
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,111
−HK$2,493/mo
Today · 4.125%
HK$96,604
baseline
▲ 0.50% · 4.625%
HK$101,696
+HK$5,092/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,208/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,116
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,106
−HK$3,037/mo
Today · 4.125%
HK$102,143
baseline
▲ 0.50% · 4.625%
HK$108,358
+HK$6,215/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$204,286/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,928
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,796
−HK$2,909/mo
Today · 4.125%
HK$112,705
baseline
▲ 0.50% · 4.625%
HK$118,646
+HK$5,941/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$225,410/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,578
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,421
−HK$3,906/mo
Today · 4.125%
HK$131,327
baseline
▲ 0.50% · 4.625%
HK$139,318
+HK$7,991/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$262,654/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,479
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$141,166
−HK$3,740/mo
Today · 4.125%
HK$144,906
baseline
▲ 0.50% · 4.625%
HK$152,545
+HK$7,639/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$289,812/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,595 · Scale 2, in force from 26 Feb 2026)