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$68,850
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,992
−HK$2,176/mo
Today · 4.125%
HK$73,168
baseline
▲ 0.50% · 4.625%
HK$77,620
+HK$4,452/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,336/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,595
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,649
−HK$2,084/mo
Today · 4.125%
HK$80,733
baseline
▲ 0.50% · 4.625%
HK$84,989
+HK$4,256/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,466/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,620
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,190
−HK$2,611/mo
Today · 4.125%
HK$87,801
baseline
▲ 0.50% · 4.625%
HK$93,144
+HK$5,343/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,602/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,914
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,379
−HK$2,501/mo
Today · 4.125%
HK$96,880
baseline
▲ 0.50% · 4.625%
HK$101,987
+HK$5,107/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,760/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,390
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,389
−HK$3,046/mo
Today · 4.125%
HK$102,435
baseline
▲ 0.50% · 4.625%
HK$108,668
+HK$6,233/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,870/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,233
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,109
−HK$2,918/mo
Today · 4.125%
HK$113,027
baseline
▲ 0.50% · 4.625%
HK$118,985
+HK$5,958/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,054/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,930
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,785
−HK$3,917/mo
Today · 4.125%
HK$131,702
baseline
▲ 0.50% · 4.625%
HK$139,716
+HK$8,014/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$263,404/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,871
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,569
−HK$3,751/mo
Today · 4.125%
HK$145,320
baseline
▲ 0.50% · 4.625%
HK$152,980
+HK$7,660/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$290,640/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,249 · Scale 2, in force from 26 Feb 2026)