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$68,732
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,870
−HK$2,172/mo
Today · 4.125%
HK$73,042
baseline
▲ 0.50% · 4.625%
HK$77,486
+HK$4,444/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,084/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,281,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,463
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,514
−HK$2,080/mo
Today · 4.125%
HK$80,594
baseline
▲ 0.50% · 4.625%
HK$84,843
+HK$4,249/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,188/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,281,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,478
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,043
−HK$2,607/mo
Today · 4.125%
HK$87,650
baseline
▲ 0.50% · 4.625%
HK$92,983
+HK$5,333/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,300/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,756
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,217
−HK$2,496/mo
Today · 4.125%
HK$96,713
baseline
▲ 0.50% · 4.625%
HK$101,811
+HK$5,098/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,426/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,224
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,217
−HK$3,041/mo
Today · 4.125%
HK$102,258
baseline
▲ 0.50% · 4.625%
HK$108,481
+HK$6,223/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,516/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,281,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,049
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,920
−HK$2,912/mo
Today · 4.125%
HK$112,832
baseline
▲ 0.50% · 4.625%
HK$118,780
+HK$5,948/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,664/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,281,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,717
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,565
−HK$3,910/mo
Today · 4.125%
HK$131,475
baseline
▲ 0.50% · 4.625%
HK$139,475
+HK$8,000/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$262,950/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,634
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,325
−HK$3,745/mo
Today · 4.125%
HK$145,070
baseline
▲ 0.50% · 4.625%
HK$152,717
+HK$7,647/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$290,140/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,038 · Scale 2, in force from 26 Feb 2026)