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$68,553
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,685
−HK$2,166/mo
Today · 4.125%
HK$72,851
baseline
▲ 0.50% · 4.625%
HK$77,284
+HK$4,433/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,702/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,264
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,309
−HK$2,075/mo
Today · 4.125%
HK$80,384
baseline
▲ 0.50% · 4.625%
HK$84,622
+HK$4,238/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,768/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,263
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,822
−HK$2,600/mo
Today · 4.125%
HK$87,422
baseline
▲ 0.50% · 4.625%
HK$92,741
+HK$5,319/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,844/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,517
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,971
−HK$2,490/mo
Today · 4.125%
HK$96,461
baseline
▲ 0.50% · 4.625%
HK$101,546
+HK$5,085/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,922/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,974
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,959
−HK$3,033/mo
Today · 4.125%
HK$101,992
baseline
▲ 0.50% · 4.625%
HK$108,198
+HK$6,206/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,984/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,770
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,633
−HK$2,905/mo
Today · 4.125%
HK$112,538
baseline
▲ 0.50% · 4.625%
HK$118,470
+HK$5,932/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,076/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,395
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$127,233
−HK$3,900/mo
Today · 4.125%
HK$131,133
baseline
▲ 0.50% · 4.625%
HK$139,112
+HK$7,979/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,266/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,275
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$140,957
−HK$3,735/mo
Today · 4.125%
HK$144,692
baseline
▲ 0.50% · 4.625%
HK$152,319
+HK$7,627/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,384/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,702 · Scale 2, in force from 26 Feb 2026)