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$68,943
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,087
−HK$2,179/mo
Today · 4.125%
HK$73,266
baseline
▲ 0.50% · 4.625%
HK$77,724
+HK$4,458/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,532/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,698
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,755
−HK$2,087/mo
Today · 4.125%
HK$80,842
baseline
▲ 0.50% · 4.625%
HK$85,103
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,684/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,731
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,304
−HK$2,615/mo
Today · 4.125%
HK$87,919
baseline
▲ 0.50% · 4.625%
HK$93,269
+HK$5,350/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,838/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,037
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,506
−HK$2,504/mo
Today · 4.125%
HK$97,010
baseline
▲ 0.50% · 4.625%
HK$102,124
+HK$5,114/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$194,020/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,520
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,522
−HK$3,050/mo
Today · 4.125%
HK$102,572
baseline
▲ 0.50% · 4.625%
HK$108,813
+HK$6,241/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,144/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,284,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,377
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,257
−HK$2,921/mo
Today · 4.125%
HK$113,178
baseline
▲ 0.50% · 4.625%
HK$119,144
+HK$5,966/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,356/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,284,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,097
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$127,957
−HK$3,922/mo
Today · 4.125%
HK$131,879
baseline
▲ 0.50% · 4.625%
HK$139,903
+HK$8,024/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,758/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,056
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$141,759
−HK$3,756/mo
Today · 4.125%
HK$145,515
baseline
▲ 0.50% · 4.625%
HK$153,185
+HK$7,670/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,030/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,969 · Scale 2, in force from 26 Feb 2026)