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$68,799
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,939
−HK$2,174/mo
Today · 4.125%
HK$73,113
baseline
▲ 0.50% · 4.625%
HK$77,562
+HK$4,449/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,226/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,538
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,591
−HK$2,082/mo
Today · 4.125%
HK$80,673
baseline
▲ 0.50% · 4.625%
HK$84,926
+HK$4,253/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,346/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,559
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,127
−HK$2,609/mo
Today · 4.125%
HK$87,736
baseline
▲ 0.50% · 4.625%
HK$93,074
+HK$5,338/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,472/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,846
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,309
−HK$2,499/mo
Today · 4.125%
HK$96,808
baseline
▲ 0.50% · 4.625%
HK$101,911
+HK$5,103/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,616/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,318
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,314
−HK$3,044/mo
Today · 4.125%
HK$102,358
baseline
▲ 0.50% · 4.625%
HK$108,587
+HK$6,229/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,716/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,153
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,027
−HK$2,915/mo
Today · 4.125%
HK$112,942
baseline
▲ 0.50% · 4.625%
HK$118,896
+HK$5,954/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,884/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,838
−HK$7,766/mo
▼ 0.25% · 3.875%
HK$127,690
−HK$3,914/mo
Today · 4.125%
HK$131,604
baseline
▲ 0.50% · 4.625%
HK$139,611
+HK$8,007/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$263,208/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,768
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,463
−HK$3,749/mo
Today · 4.125%
HK$145,212
baseline
▲ 0.50% · 4.625%
HK$152,866
+HK$7,654/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$290,424/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,291 · Scale 2, in force from 26 Feb 2026)