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$68,663
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,799
−HK$2,170/mo
Today · 4.125%
HK$72,969
baseline
▲ 0.50% · 4.625%
HK$77,409
+HK$4,440/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,938/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,387
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,436
−HK$2,078/mo
Today · 4.125%
HK$80,514
baseline
▲ 0.50% · 4.625%
HK$84,758
+HK$4,244/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,028/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,396
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,959
−HK$2,604/mo
Today · 4.125%
HK$87,563
baseline
▲ 0.50% · 4.625%
HK$92,891
+HK$5,328/mo
Deposit HK$12.04M · loan HK$18.07M · min. income ≈ HK$175,126/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,664
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,123
−HK$2,494/mo
Today · 4.125%
HK$96,617
baseline
▲ 0.50% · 4.625%
HK$101,710
+HK$5,093/mo
Deposit HK$12.04M · loan HK$18.07M · min. income ≈ HK$193,234/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,128
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$99,118
−HK$3,038/mo
Today · 4.125%
HK$102,156
baseline
▲ 0.50% · 4.625%
HK$108,372
+HK$6,216/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$204,312/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,942
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,810
−HK$2,909/mo
Today · 4.125%
HK$112,719
baseline
▲ 0.50% · 4.625%
HK$118,661
+HK$5,942/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$225,438/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,594
−HK$7,750/mo
▼ 0.25% · 3.875%
HK$127,438
−HK$3,906/mo
Today · 4.125%
HK$131,344
baseline
▲ 0.50% · 4.625%
HK$139,336
+HK$7,992/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$262,688/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,497
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$141,184
−HK$3,741/mo
Today · 4.125%
HK$144,925
baseline
▲ 0.50% · 4.625%
HK$152,564
+HK$7,639/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$289,850/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,760 · Scale 2, in force from 26 Feb 2026)