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$68,683
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,820
−HK$2,170/mo
Today · 4.125%
HK$72,990
baseline
▲ 0.50% · 4.625%
HK$77,432
+HK$4,442/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,980/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,410
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,459
−HK$2,079/mo
Today · 4.125%
HK$80,538
baseline
▲ 0.50% · 4.625%
HK$84,783
+HK$4,245/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,076/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,420
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,984
−HK$2,604/mo
Today · 4.125%
HK$87,588
baseline
▲ 0.50% · 4.625%
HK$92,918
+HK$5,330/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,176/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,691
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,151
−HK$2,494/mo
Today · 4.125%
HK$96,645
baseline
▲ 0.50% · 4.625%
HK$101,740
+HK$5,095/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,290/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,157
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,148
−HK$3,039/mo
Today · 4.125%
HK$102,187
baseline
▲ 0.50% · 4.625%
HK$108,404
+HK$6,217/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$204,374/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,973
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,842
−HK$2,911/mo
Today · 4.125%
HK$112,753
baseline
▲ 0.50% · 4.625%
HK$118,696
+HK$5,943/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$225,506/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,630
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,476
−HK$3,907/mo
Today · 4.125%
HK$131,383
baseline
▲ 0.50% · 4.625%
HK$139,377
+HK$7,994/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,766/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,537
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$141,226
−HK$3,742/mo
Today · 4.125%
HK$144,968
baseline
▲ 0.50% · 4.625%
HK$152,609
+HK$7,641/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,936/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,138 · Scale 2, in force from 26 Feb 2026)