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$68,868
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,010
−HK$2,177/mo
Today · 4.125%
HK$73,187
baseline
▲ 0.50% · 4.625%
HK$77,640
+HK$4,453/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,374/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,615
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,670
−HK$2,084/mo
Today · 4.125%
HK$80,754
baseline
▲ 0.50% · 4.625%
HK$85,011
+HK$4,257/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,508/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,642
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,212
−HK$2,612/mo
Today · 4.125%
HK$87,824
baseline
▲ 0.50% · 4.625%
HK$93,168
+HK$5,344/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,648/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,938
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,404
−HK$2,501/mo
Today · 4.125%
HK$96,905
baseline
▲ 0.50% · 4.625%
HK$102,013
+HK$5,108/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,810/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,415
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,414
−HK$3,047/mo
Today · 4.125%
HK$102,461
baseline
▲ 0.50% · 4.625%
HK$108,696
+HK$6,235/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,922/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,261
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,138
−HK$2,918/mo
Today · 4.125%
HK$113,056
baseline
▲ 0.50% · 4.625%
HK$119,015
+HK$5,959/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,112/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,962
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$127,818
−HK$3,918/mo
Today · 4.125%
HK$131,736
baseline
▲ 0.50% · 4.625%
HK$139,752
+HK$8,016/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,472/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,907
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$141,606
−HK$3,752/mo
Today · 4.125%
HK$145,358
baseline
▲ 0.50% · 4.625%
HK$153,020
+HK$7,662/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,716/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,580 · Scale 2, in force from 26 Feb 2026)