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$68,554
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,686
−HK$2,167/mo
Today · 4.125%
HK$72,853
baseline
▲ 0.50% · 4.625%
HK$77,286
+HK$4,433/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,706/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,266
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,311
−HK$2,075/mo
Today · 4.125%
HK$80,386
baseline
▲ 0.50% · 4.625%
HK$84,623
+HK$4,237/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,772/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,265
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,824
−HK$2,600/mo
Today · 4.125%
HK$87,424
baseline
▲ 0.50% · 4.625%
HK$92,743
+HK$5,319/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,848/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,519
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,973
−HK$2,490/mo
Today · 4.125%
HK$96,463
baseline
▲ 0.50% · 4.625%
HK$101,548
+HK$5,085/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,926/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,976
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,961
−HK$3,033/mo
Today · 4.125%
HK$101,994
baseline
▲ 0.50% · 4.625%
HK$108,200
+HK$6,206/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,988/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,772
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,636
−HK$2,905/mo
Today · 4.125%
HK$112,541
baseline
▲ 0.50% · 4.625%
HK$118,473
+HK$5,932/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,082/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,397
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$127,236
−HK$3,899/mo
Today · 4.125%
HK$131,135
baseline
▲ 0.50% · 4.625%
HK$139,115
+HK$7,980/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,270/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,278
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$140,960
−HK$3,735/mo
Today · 4.125%
HK$144,695
baseline
▲ 0.50% · 4.625%
HK$152,322
+HK$7,627/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,390/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,728 · Scale 2, in force from 26 Feb 2026)