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$68,696
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,833
−HK$2,171/mo
Today · 4.125%
HK$73,004
baseline
▲ 0.50% · 4.625%
HK$77,446
+HK$4,442/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$146,008/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,424
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,473
−HK$2,080/mo
Today · 4.125%
HK$80,553
baseline
▲ 0.50% · 4.625%
HK$84,799
+HK$4,246/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,106/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,435
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$84,999
−HK$2,606/mo
Today · 4.125%
HK$87,605
baseline
▲ 0.50% · 4.625%
HK$92,935
+HK$5,330/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,210/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,708
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,168
−HK$2,495/mo
Today · 4.125%
HK$96,663
baseline
▲ 0.50% · 4.625%
HK$101,758
+HK$5,095/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,326/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,174
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,166
−HK$3,039/mo
Today · 4.125%
HK$102,205
baseline
▲ 0.50% · 4.625%
HK$108,424
+HK$6,219/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,410/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,993
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,863
−HK$2,911/mo
Today · 4.125%
HK$112,774
baseline
▲ 0.50% · 4.625%
HK$118,718
+HK$5,944/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,548/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,653
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$127,499
−HK$3,908/mo
Today · 4.125%
HK$131,407
baseline
▲ 0.50% · 4.625%
HK$139,403
+HK$7,996/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,814/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,562
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$141,252
−HK$3,743/mo
Today · 4.125%
HK$144,995
baseline
▲ 0.50% · 4.625%
HK$152,637
+HK$7,642/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,990/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,373 · Scale 2, in force from 26 Feb 2026)