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$68,585
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,718
−HK$2,167/mo
Today · 4.125%
HK$72,885
baseline
▲ 0.50% · 4.625%
HK$77,320
+HK$4,435/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,770/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,300
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,346
−HK$2,076/mo
Today · 4.125%
HK$80,422
baseline
▲ 0.50% · 4.625%
HK$84,661
+HK$4,239/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,844/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,301
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,861
−HK$2,601/mo
Today · 4.125%
HK$87,462
baseline
▲ 0.50% · 4.625%
HK$92,784
+HK$5,322/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,924/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,560
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,015
−HK$2,491/mo
Today · 4.125%
HK$96,506
baseline
▲ 0.50% · 4.625%
HK$101,593
+HK$5,087/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,012/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,018
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,005
−HK$3,035/mo
Today · 4.125%
HK$102,040
baseline
▲ 0.50% · 4.625%
HK$108,248
+HK$6,208/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,080/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,819
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,684
−HK$2,907/mo
Today · 4.125%
HK$112,591
baseline
▲ 0.50% · 4.625%
HK$118,525
+HK$5,934/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,182/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,452
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,292
−HK$3,902/mo
Today · 4.125%
HK$131,194
baseline
▲ 0.50% · 4.625%
HK$139,177
+HK$7,983/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,388/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,339
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$141,023
−HK$3,736/mo
Today · 4.125%
HK$144,759
baseline
▲ 0.50% · 4.625%
HK$152,390
+HK$7,631/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,518/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,297 · Scale 2, in force from 26 Feb 2026)