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$68,903
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,047
−HK$2,177/mo
Today · 4.125%
HK$73,224
baseline
▲ 0.50% · 4.625%
HK$77,680
+HK$4,456/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,448/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,654
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,710
−HK$2,086/mo
Today · 4.125%
HK$80,796
baseline
▲ 0.50% · 4.625%
HK$85,054
+HK$4,258/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,592/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,684
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,256
−HK$2,613/mo
Today · 4.125%
HK$87,869
baseline
▲ 0.50% · 4.625%
HK$93,216
+HK$5,347/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,738/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,985
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,452
−HK$2,503/mo
Today · 4.125%
HK$96,955
baseline
▲ 0.50% · 4.625%
HK$102,065
+HK$5,110/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,910/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,465
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,465
−HK$3,049/mo
Today · 4.125%
HK$102,514
baseline
▲ 0.50% · 4.625%
HK$108,751
+HK$6,237/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$205,028/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,316
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,194
−HK$2,920/mo
Today · 4.125%
HK$113,114
baseline
▲ 0.50% · 4.625%
HK$119,076
+HK$5,962/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$226,228/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,026
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$127,884
−HK$3,919/mo
Today · 4.125%
HK$131,803
baseline
▲ 0.50% · 4.625%
HK$139,823
+HK$8,020/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,606/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,978
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$141,678
−HK$3,754/mo
Today · 4.125%
HK$145,432
baseline
▲ 0.50% · 4.625%
HK$153,098
+HK$7,666/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,864/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,237 · Scale 2, in force from 26 Feb 2026)