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$68,929
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,074
−HK$2,178/mo
Today · 4.125%
HK$73,252
baseline
▲ 0.50% · 4.625%
HK$77,709
+HK$4,457/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,504/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,683
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,740
−HK$2,086/mo
Today · 4.125%
HK$80,826
baseline
▲ 0.50% · 4.625%
HK$85,087
+HK$4,261/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,652/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,715
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,288
−HK$2,614/mo
Today · 4.125%
HK$87,902
baseline
▲ 0.50% · 4.625%
HK$93,251
+HK$5,349/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,804/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,020
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,488
−HK$2,504/mo
Today · 4.125%
HK$96,992
baseline
▲ 0.50% · 4.625%
HK$102,104
+HK$5,112/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$193,984/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,501
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,503
−HK$3,050/mo
Today · 4.125%
HK$102,553
baseline
▲ 0.50% · 4.625%
HK$108,793
+HK$6,240/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,106/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,357
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,236
−HK$2,921/mo
Today · 4.125%
HK$113,157
baseline
▲ 0.50% · 4.625%
HK$119,121
+HK$5,964/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,314/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,073
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,932
−HK$3,922/mo
Today · 4.125%
HK$131,854
baseline
▲ 0.50% · 4.625%
HK$139,877
+HK$8,023/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,708/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,030
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$141,732
−HK$3,755/mo
Today · 4.125%
HK$145,487
baseline
▲ 0.50% · 4.625%
HK$153,156
+HK$7,669/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$290,974/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,726 · Scale 2, in force from 26 Feb 2026)