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$68,584
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,717
−HK$2,168/mo
Today · 4.125%
HK$72,885
baseline
▲ 0.50% · 4.625%
HK$77,320
+HK$4,435/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,770/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,299
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,345
−HK$2,076/mo
Today · 4.125%
HK$80,421
baseline
▲ 0.50% · 4.625%
HK$84,660
+HK$4,239/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,842/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,301
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,861
−HK$2,601/mo
Today · 4.125%
HK$87,462
baseline
▲ 0.50% · 4.625%
HK$92,784
+HK$5,322/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,924/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,559
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,014
−HK$2,492/mo
Today · 4.125%
HK$96,506
baseline
▲ 0.50% · 4.625%
HK$101,592
+HK$5,086/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,012/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,018
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$99,004
−HK$3,035/mo
Today · 4.125%
HK$102,039
baseline
▲ 0.50% · 4.625%
HK$108,248
+HK$6,209/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,078/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,819
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,684
−HK$2,906/mo
Today · 4.125%
HK$112,590
baseline
▲ 0.50% · 4.625%
HK$118,525
+HK$5,935/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,180/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,451
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,291
−HK$3,902/mo
Today · 4.125%
HK$131,193
baseline
▲ 0.50% · 4.625%
HK$139,176
+HK$7,983/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,386/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,338
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$141,022
−HK$3,736/mo
Today · 4.125%
HK$144,758
baseline
▲ 0.50% · 4.625%
HK$152,389
+HK$7,631/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,516/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,287 · Scale 2, in force from 26 Feb 2026)