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$68,624
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,758
−HK$2,169/mo
Today · 4.125%
HK$72,927
baseline
▲ 0.50% · 4.625%
HK$77,364
+HK$4,437/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,854/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,343
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,390
−HK$2,078/mo
Today · 4.125%
HK$80,468
baseline
▲ 0.50% · 4.625%
HK$84,709
+HK$4,241/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,936/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,348
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,910
−HK$2,602/mo
Today · 4.125%
HK$87,512
baseline
▲ 0.50% · 4.625%
HK$92,837
+HK$5,325/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,024/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,612
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,069
−HK$2,492/mo
Today · 4.125%
HK$96,561
baseline
▲ 0.50% · 4.625%
HK$101,651
+HK$5,090/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,122/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,073
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,061
−HK$3,037/mo
Today · 4.125%
HK$102,098
baseline
▲ 0.50% · 4.625%
HK$108,310
+HK$6,212/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,196/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,880
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,747
−HK$2,908/mo
Today · 4.125%
HK$112,655
baseline
▲ 0.50% · 4.625%
HK$118,593
+HK$5,938/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,310/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,522
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$127,365
−HK$3,903/mo
Today · 4.125%
HK$131,268
baseline
▲ 0.50% · 4.625%
HK$139,256
+HK$7,988/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,536/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,417
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,103
−HK$3,739/mo
Today · 4.125%
HK$144,842
baseline
▲ 0.50% · 4.625%
HK$152,476
+HK$7,634/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,684/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,023 · Scale 2, in force from 26 Feb 2026)