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$68,604
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,738
−HK$2,168/mo
Today · 4.125%
HK$72,906
baseline
▲ 0.50% · 4.625%
HK$77,342
+HK$4,436/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,812/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,321
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,368
−HK$2,076/mo
Today · 4.125%
HK$80,444
baseline
▲ 0.50% · 4.625%
HK$84,685
+HK$4,241/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,888/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,324
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,885
−HK$2,602/mo
Today · 4.125%
HK$87,487
baseline
▲ 0.50% · 4.625%
HK$92,810
+HK$5,323/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,974/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,585
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,041
−HK$2,492/mo
Today · 4.125%
HK$96,533
baseline
▲ 0.50% · 4.625%
HK$101,622
+HK$5,089/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,066/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,045
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,033
−HK$3,035/mo
Today · 4.125%
HK$102,068
baseline
▲ 0.50% · 4.625%
HK$108,279
+HK$6,211/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,136/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,849
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,715
−HK$2,907/mo
Today · 4.125%
HK$112,622
baseline
▲ 0.50% · 4.625%
HK$118,559
+HK$5,937/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,244/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,487
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$127,328
−HK$3,902/mo
Today · 4.125%
HK$131,230
baseline
▲ 0.50% · 4.625%
HK$139,215
+HK$7,985/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,460/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,378
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$141,062
−HK$3,738/mo
Today · 4.125%
HK$144,800
baseline
▲ 0.50% · 4.625%
HK$152,432
+HK$7,632/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,600/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,654 · Scale 2, in force from 26 Feb 2026)