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$68,592
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,726
−HK$2,167/mo
Today · 4.125%
HK$72,893
baseline
▲ 0.50% · 4.625%
HK$77,329
+HK$4,436/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,786/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,308
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,355
−HK$2,076/mo
Today · 4.125%
HK$80,431
baseline
▲ 0.50% · 4.625%
HK$84,670
+HK$4,239/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,862/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,311
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,871
−HK$2,601/mo
Today · 4.125%
HK$87,472
baseline
▲ 0.50% · 4.625%
HK$92,795
+HK$5,323/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,944/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,570
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,026
−HK$2,491/mo
Today · 4.125%
HK$96,517
baseline
▲ 0.50% · 4.625%
HK$101,604
+HK$5,087/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,034/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,029
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,016
−HK$3,035/mo
Today · 4.125%
HK$102,051
baseline
▲ 0.50% · 4.625%
HK$108,260
+HK$6,209/mo
Deposit HK$9.02M · loan HK$21.06M · min. income ≈ HK$204,102/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,831
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,696
−HK$2,907/mo
Today · 4.125%
HK$112,603
baseline
▲ 0.50% · 4.625%
HK$118,539
+HK$5,936/mo
Deposit HK$9.02M · loan HK$21.06M · min. income ≈ HK$225,206/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,466
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,306
−HK$3,902/mo
Today · 4.125%
HK$131,208
baseline
▲ 0.50% · 4.625%
HK$139,192
+HK$7,984/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,416/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,355
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$141,038
−HK$3,737/mo
Today · 4.125%
HK$144,775
baseline
▲ 0.50% · 4.625%
HK$152,407
+HK$7,632/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,550/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,439 · Scale 2, in force from 26 Feb 2026)