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$68,682
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,819
−HK$2,170/mo
Today · 4.125%
HK$72,989
baseline
▲ 0.50% · 4.625%
HK$77,431
+HK$4,442/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,978/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,408
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,458
−HK$2,079/mo
Today · 4.125%
HK$80,537
baseline
▲ 0.50% · 4.625%
HK$84,782
+HK$4,245/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,074/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,419
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,983
−HK$2,604/mo
Today · 4.125%
HK$87,587
baseline
▲ 0.50% · 4.625%
HK$92,917
+HK$5,330/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,174/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,690
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,149
−HK$2,495/mo
Today · 4.125%
HK$96,644
baseline
▲ 0.50% · 4.625%
HK$101,738
+HK$5,094/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,288/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,155
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,146
−HK$3,039/mo
Today · 4.125%
HK$102,185
baseline
▲ 0.50% · 4.625%
HK$108,403
+HK$6,218/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$204,370/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,972
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$109,841
−HK$2,910/mo
Today · 4.125%
HK$112,751
baseline
▲ 0.50% · 4.625%
HK$118,694
+HK$5,943/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$225,502/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,628
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,474
−HK$3,907/mo
Today · 4.125%
HK$131,381
baseline
▲ 0.50% · 4.625%
HK$139,375
+HK$7,994/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,762/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,535
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$141,224
−HK$3,742/mo
Today · 4.125%
HK$144,966
baseline
▲ 0.50% · 4.625%
HK$152,607
+HK$7,641/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,932/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,120 · Scale 2, in force from 26 Feb 2026)