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$68,854
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,996
−HK$2,176/mo
Today · 4.125%
HK$73,172
baseline
▲ 0.50% · 4.625%
HK$77,624
+HK$4,452/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,344/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,600
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,654
−HK$2,084/mo
Today · 4.125%
HK$80,738
baseline
▲ 0.50% · 4.625%
HK$84,994
+HK$4,256/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,476/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,625
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,195
−HK$2,611/mo
Today · 4.125%
HK$87,806
baseline
▲ 0.50% · 4.625%
HK$93,149
+HK$5,343/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,612/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,920
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,385
−HK$2,501/mo
Today · 4.125%
HK$96,886
baseline
▲ 0.50% · 4.625%
HK$101,993
+HK$5,107/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,772/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,396
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,394
−HK$3,047/mo
Today · 4.125%
HK$102,441
baseline
▲ 0.50% · 4.625%
HK$108,674
+HK$6,233/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,882/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,240
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,116
−HK$2,917/mo
Today · 4.125%
HK$113,033
baseline
▲ 0.50% · 4.625%
HK$118,992
+HK$5,959/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,066/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,938
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,793
−HK$3,917/mo
Today · 4.125%
HK$131,710
baseline
▲ 0.50% · 4.625%
HK$139,724
+HK$8,014/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,420/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,879
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$141,577
−HK$3,752/mo
Today · 4.125%
HK$145,329
baseline
▲ 0.50% · 4.625%
HK$152,989
+HK$7,660/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,658/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,324 · Scale 2, in force from 26 Feb 2026)