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$68,769
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,908
−HK$2,173/mo
Today · 4.125%
HK$73,081
baseline
▲ 0.50% · 4.625%
HK$77,528
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,162/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,504
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,556
−HK$2,082/mo
Today · 4.125%
HK$80,638
baseline
▲ 0.50% · 4.625%
HK$84,888
+HK$4,250/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,276/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,522
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,089
−HK$2,608/mo
Today · 4.125%
HK$87,697
baseline
▲ 0.50% · 4.625%
HK$93,033
+HK$5,336/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,394/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,805
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,268
−HK$2,497/mo
Today · 4.125%
HK$96,765
baseline
▲ 0.50% · 4.625%
HK$101,866
+HK$5,101/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,530/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,276
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,271
−HK$3,042/mo
Today · 4.125%
HK$102,313
baseline
▲ 0.50% · 4.625%
HK$108,539
+HK$6,226/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,626/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,106
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,979
−HK$2,914/mo
Today · 4.125%
HK$112,893
baseline
▲ 0.50% · 4.625%
HK$118,844
+HK$5,951/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,786/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,784
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$127,634
−HK$3,912/mo
Today · 4.125%
HK$131,546
baseline
▲ 0.50% · 4.625%
HK$139,550
+HK$8,004/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,092/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,708
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$141,401
−HK$3,747/mo
Today · 4.125%
HK$145,148
baseline
▲ 0.50% · 4.625%
HK$152,799
+HK$7,651/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,296/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,728 · Scale 2, in force from 26 Feb 2026)