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$68,744
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,882
−HK$2,173/mo
Today · 4.125%
HK$73,055
baseline
▲ 0.50% · 4.625%
HK$77,500
+HK$4,445/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,110/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,477
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,528
−HK$2,081/mo
Today · 4.125%
HK$80,609
baseline
▲ 0.50% · 4.625%
HK$84,858
+HK$4,249/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,218/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,493
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,059
−HK$2,607/mo
Today · 4.125%
HK$87,666
baseline
▲ 0.50% · 4.625%
HK$93,000
+HK$5,334/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,332/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,772
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,234
−HK$2,497/mo
Today · 4.125%
HK$96,731
baseline
▲ 0.50% · 4.625%
HK$101,829
+HK$5,098/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,462/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,242
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,235
−HK$3,042/mo
Today · 4.125%
HK$102,277
baseline
▲ 0.50% · 4.625%
HK$108,500
+HK$6,223/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,554/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,068
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,939
−HK$2,913/mo
Today · 4.125%
HK$112,852
baseline
▲ 0.50% · 4.625%
HK$118,801
+HK$5,949/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,704/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,739
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$127,588
−HK$3,911/mo
Today · 4.125%
HK$131,499
baseline
▲ 0.50% · 4.625%
HK$139,500
+HK$8,001/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$262,998/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,659
−HK$7,437/mo
▼ 0.25% · 3.875%
HK$141,351
−HK$3,745/mo
Today · 4.125%
HK$145,096
baseline
▲ 0.50% · 4.625%
HK$152,744
+HK$7,648/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$290,192/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,268 · Scale 2, in force from 26 Feb 2026)