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$68,760
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,899
−HK$2,173/mo
Today · 4.125%
HK$73,072
baseline
▲ 0.50% · 4.625%
HK$77,518
+HK$4,446/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,144/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,495
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,547
−HK$2,081/mo
Today · 4.125%
HK$80,628
baseline
▲ 0.50% · 4.625%
HK$84,878
+HK$4,250/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,256/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,512
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,079
−HK$2,608/mo
Today · 4.125%
HK$87,687
baseline
▲ 0.50% · 4.625%
HK$93,022
+HK$5,335/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,374/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,794
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,256
−HK$2,498/mo
Today · 4.125%
HK$96,754
baseline
▲ 0.50% · 4.625%
HK$101,854
+HK$5,100/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,508/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,264
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,259
−HK$3,042/mo
Today · 4.125%
HK$102,301
baseline
▲ 0.50% · 4.625%
HK$108,526
+HK$6,225/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,602/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,093
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,965
−HK$2,914/mo
Today · 4.125%
HK$112,879
baseline
▲ 0.50% · 4.625%
HK$118,829
+HK$5,950/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,758/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,769
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,618
−HK$3,912/mo
Today · 4.125%
HK$131,530
baseline
▲ 0.50% · 4.625%
HK$139,533
+HK$8,003/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,060/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,691
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,384
−HK$3,746/mo
Today · 4.125%
HK$145,130
baseline
▲ 0.50% · 4.625%
HK$152,780
+HK$7,650/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,260/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,573 · Scale 2, in force from 26 Feb 2026)