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$68,861
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,003
−HK$2,176/mo
Today · 4.125%
HK$73,179
baseline
▲ 0.50% · 4.625%
HK$77,632
+HK$4,453/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,358/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,607
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,662
−HK$2,084/mo
Today · 4.125%
HK$80,746
baseline
▲ 0.50% · 4.625%
HK$85,002
+HK$4,256/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,492/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,633
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,204
−HK$2,611/mo
Today · 4.125%
HK$87,815
baseline
▲ 0.50% · 4.625%
HK$93,159
+HK$5,344/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,630/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,929
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,394
−HK$2,501/mo
Today · 4.125%
HK$96,895
baseline
▲ 0.50% · 4.625%
HK$102,003
+HK$5,108/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,790/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,406
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,404
−HK$3,047/mo
Today · 4.125%
HK$102,451
baseline
▲ 0.50% · 4.625%
HK$108,685
+HK$6,234/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,902/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,250
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,127
−HK$2,918/mo
Today · 4.125%
HK$113,045
baseline
▲ 0.50% · 4.625%
HK$119,003
+HK$5,958/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,090/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,950
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$127,806
−HK$3,917/mo
Today · 4.125%
HK$131,723
baseline
▲ 0.50% · 4.625%
HK$139,738
+HK$8,015/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,446/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,893
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$141,591
−HK$3,752/mo
Today · 4.125%
HK$145,343
baseline
▲ 0.50% · 4.625%
HK$153,004
+HK$7,661/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,686/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,453 · Scale 2, in force from 26 Feb 2026)