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$68,823
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,964
−HK$2,175/mo
Today · 4.125%
HK$73,139
baseline
▲ 0.50% · 4.625%
HK$77,589
+HK$4,450/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,278/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,565
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,618
−HK$2,083/mo
Today · 4.125%
HK$80,701
baseline
▲ 0.50% · 4.625%
HK$84,955
+HK$4,254/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,402/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,587
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,156
−HK$2,610/mo
Today · 4.125%
HK$87,766
baseline
▲ 0.50% · 4.625%
HK$93,107
+HK$5,341/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,532/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,282,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,878
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,342
−HK$2,500/mo
Today · 4.125%
HK$96,842
baseline
▲ 0.50% · 4.625%
HK$101,946
+HK$5,104/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,684/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,282,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,352
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,349
−HK$3,045/mo
Today · 4.125%
HK$102,394
baseline
▲ 0.50% · 4.625%
HK$108,625
+HK$6,231/mo
Deposit HK$9.05M · loan HK$21.13M · min. income ≈ HK$204,788/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,191
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,065
−HK$2,917/mo
Today · 4.125%
HK$112,982
baseline
▲ 0.50% · 4.625%
HK$118,937
+HK$5,955/mo
Deposit HK$9.05M · loan HK$21.13M · min. income ≈ HK$225,964/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,881
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,735
−HK$3,915/mo
Today · 4.125%
HK$131,650
baseline
▲ 0.50% · 4.625%
HK$139,660
+HK$8,010/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$263,300/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,817
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,513
−HK$3,749/mo
Today · 4.125%
HK$145,262
baseline
▲ 0.50% · 4.625%
HK$152,919
+HK$7,657/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$290,524/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,738 · Scale 2, in force from 26 Feb 2026)