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$68,628
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,763
−HK$2,169/mo
Today · 4.125%
HK$72,932
baseline
▲ 0.50% · 4.625%
HK$77,370
+HK$4,438/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,864/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,348
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,396
−HK$2,077/mo
Today · 4.125%
HK$80,473
baseline
▲ 0.50% · 4.625%
HK$84,715
+HK$4,242/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,946/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,354
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,916
−HK$2,602/mo
Today · 4.125%
HK$87,518
baseline
▲ 0.50% · 4.625%
HK$92,844
+HK$5,326/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,036/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,618
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,075
−HK$2,493/mo
Today · 4.125%
HK$96,568
baseline
▲ 0.50% · 4.625%
HK$101,658
+HK$5,090/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,136/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,080
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,068
−HK$3,037/mo
Today · 4.125%
HK$102,105
baseline
▲ 0.50% · 4.625%
HK$108,318
+HK$6,213/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,210/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,888
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,754
−HK$2,909/mo
Today · 4.125%
HK$112,663
baseline
▲ 0.50% · 4.625%
HK$118,601
+HK$5,938/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,326/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,531
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,374
−HK$3,904/mo
Today · 4.125%
HK$131,278
baseline
▲ 0.50% · 4.625%
HK$139,266
+HK$7,988/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,556/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,427
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,113
−HK$3,739/mo
Today · 4.125%
HK$144,852
baseline
▲ 0.50% · 4.625%
HK$152,487
+HK$7,635/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,704/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,114 · Scale 2, in force from 26 Feb 2026)