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$68,859
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,001
−HK$2,177/mo
Today · 4.125%
HK$73,178
baseline
▲ 0.50% · 4.625%
HK$77,630
+HK$4,452/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,356/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,605
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,660
−HK$2,084/mo
Today · 4.125%
HK$80,744
baseline
▲ 0.50% · 4.625%
HK$85,000
+HK$4,256/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,488/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,631
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,202
−HK$2,611/mo
Today · 4.125%
HK$87,813
baseline
▲ 0.50% · 4.625%
HK$93,156
+HK$5,343/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,626/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,927
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,392
−HK$2,501/mo
Today · 4.125%
HK$96,893
baseline
▲ 0.50% · 4.625%
HK$102,000
+HK$5,107/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,786/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,403
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,402
−HK$3,047/mo
Today · 4.125%
HK$102,449
baseline
▲ 0.50% · 4.625%
HK$108,682
+HK$6,233/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,898/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,248
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,124
−HK$2,918/mo
Today · 4.125%
HK$113,042
baseline
▲ 0.50% · 4.625%
HK$119,000
+HK$5,958/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,084/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,947
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$127,802
−HK$3,918/mo
Today · 4.125%
HK$131,720
baseline
▲ 0.50% · 4.625%
HK$139,734
+HK$8,014/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,440/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,890
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$141,588
−HK$3,752/mo
Today · 4.125%
HK$145,340
baseline
▲ 0.50% · 4.625%
HK$153,001
+HK$7,661/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,680/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,420 · Scale 2, in force from 26 Feb 2026)