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$68,767
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,906
−HK$2,173/mo
Today · 4.125%
HK$73,079
baseline
▲ 0.50% · 4.625%
HK$77,526
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,158/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,503
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,554
−HK$2,082/mo
Today · 4.125%
HK$80,636
baseline
▲ 0.50% · 4.625%
HK$84,886
+HK$4,250/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,272/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,520
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,087
−HK$2,608/mo
Today · 4.125%
HK$87,695
baseline
▲ 0.50% · 4.625%
HK$93,031
+HK$5,336/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,390/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,803
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,265
−HK$2,498/mo
Today · 4.125%
HK$96,763
baseline
▲ 0.50% · 4.625%
HK$101,863
+HK$5,100/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,526/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,274
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,268
−HK$3,043/mo
Today · 4.125%
HK$102,311
baseline
▲ 0.50% · 4.625%
HK$108,536
+HK$6,225/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,622/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,104
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,976
−HK$2,914/mo
Today · 4.125%
HK$112,890
baseline
▲ 0.50% · 4.625%
HK$118,841
+HK$5,951/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,780/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,781
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$127,631
−HK$3,912/mo
Today · 4.125%
HK$131,543
baseline
▲ 0.50% · 4.625%
HK$139,547
+HK$8,004/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,086/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,705
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,398
−HK$3,746/mo
Today · 4.125%
HK$145,144
baseline
▲ 0.50% · 4.625%
HK$152,795
+HK$7,651/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,288/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,698 · Scale 2, in force from 26 Feb 2026)