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$68,878
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,021
−HK$2,177/mo
Today · 4.125%
HK$73,198
baseline
▲ 0.50% · 4.625%
HK$77,651
+HK$4,453/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,396/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,626
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,681
−HK$2,085/mo
Today · 4.125%
HK$80,766
baseline
▲ 0.50% · 4.625%
HK$85,024
+HK$4,258/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,532/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,654
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,225
−HK$2,612/mo
Today · 4.125%
HK$87,837
baseline
▲ 0.50% · 4.625%
HK$93,182
+HK$5,345/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,674/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,952
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,418
−HK$2,502/mo
Today · 4.125%
HK$96,920
baseline
▲ 0.50% · 4.625%
HK$102,028
+HK$5,108/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,840/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,430
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,429
−HK$3,048/mo
Today · 4.125%
HK$102,477
baseline
▲ 0.50% · 4.625%
HK$108,712
+HK$6,235/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,954/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,277
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,154
−HK$2,919/mo
Today · 4.125%
HK$113,073
baseline
▲ 0.50% · 4.625%
HK$119,033
+HK$5,960/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,146/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,981
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$127,837
−HK$3,919/mo
Today · 4.125%
HK$131,756
baseline
▲ 0.50% · 4.625%
HK$139,773
+HK$8,017/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,512/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,927
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,627
−HK$3,752/mo
Today · 4.125%
HK$145,379
baseline
▲ 0.50% · 4.625%
HK$153,042
+HK$7,663/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,758/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,771 · Scale 2, in force from 26 Feb 2026)