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$68,857
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,999
−HK$2,176/mo
Today · 4.125%
HK$73,175
baseline
▲ 0.50% · 4.625%
HK$77,628
+HK$4,453/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,350/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,603
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,658
−HK$2,084/mo
Today · 4.125%
HK$80,742
baseline
▲ 0.50% · 4.625%
HK$84,998
+HK$4,256/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,484/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,629
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,199
−HK$2,612/mo
Today · 4.125%
HK$87,811
baseline
▲ 0.50% · 4.625%
HK$93,154
+HK$5,343/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,622/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,924
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,389
−HK$2,501/mo
Today · 4.125%
HK$96,890
baseline
▲ 0.50% · 4.625%
HK$101,997
+HK$5,107/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,780/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,400
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,399
−HK$3,047/mo
Today · 4.125%
HK$102,446
baseline
▲ 0.50% · 4.625%
HK$108,679
+HK$6,233/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,892/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,245
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,121
−HK$2,918/mo
Today · 4.125%
HK$113,039
baseline
▲ 0.50% · 4.625%
HK$118,997
+HK$5,958/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,078/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,943
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$127,799
−HK$3,917/mo
Today · 4.125%
HK$131,716
baseline
▲ 0.50% · 4.625%
HK$139,730
+HK$8,014/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,432/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,886
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,584
−HK$3,751/mo
Today · 4.125%
HK$145,335
baseline
▲ 0.50% · 4.625%
HK$152,996
+HK$7,661/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,670/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,384 · Scale 2, in force from 26 Feb 2026)