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$68,655
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,790
−HK$2,170/mo
Today · 4.125%
HK$72,960
baseline
▲ 0.50% · 4.625%
HK$77,400
+HK$4,440/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,920/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,378
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,426
−HK$2,078/mo
Today · 4.125%
HK$80,504
baseline
▲ 0.50% · 4.625%
HK$84,748
+HK$4,244/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$161,008/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,386
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,948
−HK$2,604/mo
Today · 4.125%
HK$87,552
baseline
▲ 0.50% · 4.625%
HK$92,879
+HK$5,327/mo
Deposit HK$12.04M · loan HK$18.07M · min. income ≈ HK$175,104/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,653
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,111
−HK$2,494/mo
Today · 4.125%
HK$96,605
baseline
▲ 0.50% · 4.625%
HK$101,697
+HK$5,092/mo
Deposit HK$12.04M · loan HK$18.07M · min. income ≈ HK$193,210/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,117
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,107
−HK$3,037/mo
Today · 4.125%
HK$102,144
baseline
▲ 0.50% · 4.625%
HK$108,359
+HK$6,215/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$204,288/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,929
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,797
−HK$2,909/mo
Today · 4.125%
HK$112,706
baseline
▲ 0.50% · 4.625%
HK$118,647
+HK$5,941/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$225,412/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,579
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,423
−HK$3,905/mo
Today · 4.125%
HK$131,328
baseline
▲ 0.50% · 4.625%
HK$139,319
+HK$7,991/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$262,656/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,480
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$141,167
−HK$3,741/mo
Today · 4.125%
HK$144,908
baseline
▲ 0.50% · 4.625%
HK$152,546
+HK$7,638/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$289,816/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,606 · Scale 2, in force from 26 Feb 2026)