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$68,822
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,963
−HK$2,175/mo
Today · 4.125%
HK$73,138
baseline
▲ 0.50% · 4.625%
HK$77,588
+HK$4,450/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,276/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,564
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,618
−HK$2,083/mo
Today · 4.125%
HK$80,701
baseline
▲ 0.50% · 4.625%
HK$84,954
+HK$4,253/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,402/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,587
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,156
−HK$2,610/mo
Today · 4.125%
HK$87,766
baseline
▲ 0.50% · 4.625%
HK$93,106
+HK$5,340/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,532/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,282,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,877
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,341
−HK$2,500/mo
Today · 4.125%
HK$96,841
baseline
▲ 0.50% · 4.625%
HK$101,945
+HK$5,104/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,682/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,282,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,351
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,348
−HK$3,045/mo
Today · 4.125%
HK$102,393
baseline
▲ 0.50% · 4.625%
HK$108,624
+HK$6,231/mo
Deposit HK$9.05M · loan HK$21.13M · min. income ≈ HK$204,786/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,190
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,065
−HK$2,916/mo
Today · 4.125%
HK$112,981
baseline
▲ 0.50% · 4.625%
HK$118,936
+HK$5,955/mo
Deposit HK$9.05M · loan HK$21.13M · min. income ≈ HK$225,962/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,880
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,734
−HK$3,915/mo
Today · 4.125%
HK$131,649
baseline
▲ 0.50% · 4.625%
HK$139,659
+HK$8,010/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$263,298/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,815
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$141,512
−HK$3,749/mo
Today · 4.125%
HK$145,261
baseline
▲ 0.50% · 4.625%
HK$152,918
+HK$7,657/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$290,522/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,728 · Scale 2, in force from 26 Feb 2026)