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$68,810
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,951
−HK$2,175/mo
Today · 4.125%
HK$73,126
baseline
▲ 0.50% · 4.625%
HK$77,575
+HK$4,449/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,252/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,551
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,604
−HK$2,083/mo
Today · 4.125%
HK$80,687
baseline
▲ 0.50% · 4.625%
HK$84,940
+HK$4,253/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,374/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,573
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,141
−HK$2,610/mo
Today · 4.125%
HK$87,751
baseline
▲ 0.50% · 4.625%
HK$93,090
+HK$5,339/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,502/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,861
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,325
−HK$2,499/mo
Today · 4.125%
HK$96,824
baseline
▲ 0.50% · 4.625%
HK$101,928
+HK$5,104/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,648/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,335
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,331
−HK$3,045/mo
Today · 4.125%
HK$102,376
baseline
▲ 0.50% · 4.625%
HK$108,605
+HK$6,229/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,752/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,171
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,046
−HK$2,916/mo
Today · 4.125%
HK$112,962
baseline
▲ 0.50% · 4.625%
HK$118,916
+HK$5,954/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,924/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,859
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,712
−HK$3,914/mo
Today · 4.125%
HK$131,626
baseline
▲ 0.50% · 4.625%
HK$139,635
+HK$8,009/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$263,252/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,792
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,487
−HK$3,749/mo
Today · 4.125%
HK$145,236
baseline
▲ 0.50% · 4.625%
HK$152,892
+HK$7,656/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$290,472/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,508 · Scale 2, in force from 26 Feb 2026)