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$68,553
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,686
−HK$2,166/mo
Today · 4.125%
HK$72,852
baseline
▲ 0.50% · 4.625%
HK$77,285
+HK$4,433/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,704/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,265
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,310
−HK$2,075/mo
Today · 4.125%
HK$80,385
baseline
▲ 0.50% · 4.625%
HK$84,622
+HK$4,237/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,770/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,264
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,823
−HK$2,600/mo
Today · 4.125%
HK$87,423
baseline
▲ 0.50% · 4.625%
HK$92,742
+HK$5,319/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,846/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,518
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,972
−HK$2,490/mo
Today · 4.125%
HK$96,462
baseline
▲ 0.50% · 4.625%
HK$101,547
+HK$5,085/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,924/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,975
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,960
−HK$3,033/mo
Today · 4.125%
HK$101,993
baseline
▲ 0.50% · 4.625%
HK$108,199
+HK$6,206/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,986/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,771
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,634
−HK$2,905/mo
Today · 4.125%
HK$112,539
baseline
▲ 0.50% · 4.625%
HK$118,471
+HK$5,932/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,078/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,396
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$127,234
−HK$3,900/mo
Today · 4.125%
HK$131,134
baseline
▲ 0.50% · 4.625%
HK$139,113
+HK$7,979/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,268/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,277
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$140,958
−HK$3,735/mo
Today · 4.125%
HK$144,693
baseline
▲ 0.50% · 4.625%
HK$152,320
+HK$7,627/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,386/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,713 · Scale 2, in force from 26 Feb 2026)