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$68,758
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,896
−HK$2,173/mo
Today · 4.125%
HK$73,069
baseline
▲ 0.50% · 4.625%
HK$77,516
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,138/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,492
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,544
−HK$2,081/mo
Today · 4.125%
HK$80,625
baseline
▲ 0.50% · 4.625%
HK$84,875
+HK$4,250/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,250/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,509
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,076
−HK$2,607/mo
Today · 4.125%
HK$87,683
baseline
▲ 0.50% · 4.625%
HK$93,019
+HK$5,336/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,366/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,791
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,253
−HK$2,497/mo
Today · 4.125%
HK$96,750
baseline
▲ 0.50% · 4.625%
HK$101,850
+HK$5,100/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,500/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,261
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$99,255
−HK$3,042/mo
Today · 4.125%
HK$102,297
baseline
▲ 0.50% · 4.625%
HK$108,522
+HK$6,225/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,594/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,089
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,961
−HK$2,914/mo
Today · 4.125%
HK$112,875
baseline
▲ 0.50% · 4.625%
HK$118,825
+HK$5,950/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,750/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,764
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,614
−HK$3,911/mo
Today · 4.125%
HK$131,525
baseline
▲ 0.50% · 4.625%
HK$139,528
+HK$8,003/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,050/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,686
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,379
−HK$3,746/mo
Today · 4.125%
HK$145,125
baseline
▲ 0.50% · 4.625%
HK$152,775
+HK$7,650/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,250/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,525 · Scale 2, in force from 26 Feb 2026)