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$68,763
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,901
−HK$2,174/mo
Today · 4.125%
HK$73,075
baseline
▲ 0.50% · 4.625%
HK$77,521
+HK$4,446/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,150/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,498
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,549
−HK$2,082/mo
Today · 4.125%
HK$80,631
baseline
▲ 0.50% · 4.625%
HK$84,881
+HK$4,250/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,262/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,515
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,082
−HK$2,607/mo
Today · 4.125%
HK$87,689
baseline
▲ 0.50% · 4.625%
HK$93,025
+HK$5,336/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,378/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,797
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,259
−HK$2,498/mo
Today · 4.125%
HK$96,757
baseline
▲ 0.50% · 4.625%
HK$101,857
+HK$5,100/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,514/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,268
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$99,262
−HK$3,042/mo
Today · 4.125%
HK$102,304
baseline
▲ 0.50% · 4.625%
HK$108,529
+HK$6,225/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,608/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,097
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,969
−HK$2,914/mo
Today · 4.125%
HK$112,883
baseline
▲ 0.50% · 4.625%
HK$118,833
+HK$5,950/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,766/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,773
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,623
−HK$3,911/mo
Today · 4.125%
HK$131,534
baseline
▲ 0.50% · 4.625%
HK$139,538
+HK$8,004/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,068/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,696
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,389
−HK$3,746/mo
Today · 4.125%
HK$145,135
baseline
▲ 0.50% · 4.625%
HK$152,785
+HK$7,650/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,270/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,614 · Scale 2, in force from 26 Feb 2026)