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$68,816
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,957
−HK$2,175/mo
Today · 4.125%
HK$73,132
baseline
▲ 0.50% · 4.625%
HK$77,581
+HK$4,449/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,264/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,557
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,611
−HK$2,082/mo
Today · 4.125%
HK$80,693
baseline
▲ 0.50% · 4.625%
HK$84,947
+HK$4,254/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,386/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,579
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,148
−HK$2,610/mo
Today · 4.125%
HK$87,758
baseline
▲ 0.50% · 4.625%
HK$93,098
+HK$5,340/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,516/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,869
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,333
−HK$2,499/mo
Today · 4.125%
HK$96,832
baseline
▲ 0.50% · 4.625%
HK$101,936
+HK$5,104/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,664/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,343
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,339
−HK$3,045/mo
Today · 4.125%
HK$102,384
baseline
▲ 0.50% · 4.625%
HK$108,614
+HK$6,230/mo
Deposit HK$9.05M · loan HK$21.13M · min. income ≈ HK$204,768/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,180
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,055
−HK$2,916/mo
Today · 4.125%
HK$112,971
baseline
▲ 0.50% · 4.625%
HK$118,926
+HK$5,955/mo
Deposit HK$9.05M · loan HK$21.13M · min. income ≈ HK$225,942/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,869
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$127,722
−HK$3,915/mo
Today · 4.125%
HK$131,637
baseline
▲ 0.50% · 4.625%
HK$139,647
+HK$8,010/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$263,274/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,803
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,499
−HK$3,749/mo
Today · 4.125%
HK$145,248
baseline
▲ 0.50% · 4.625%
HK$152,904
+HK$7,656/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$290,496/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,614 · Scale 2, in force from 26 Feb 2026)