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$68,909
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,052
−HK$2,178/mo
Today · 4.125%
HK$73,230
baseline
▲ 0.50% · 4.625%
HK$77,686
+HK$4,456/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,460/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,661
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,717
−HK$2,085/mo
Today · 4.125%
HK$80,802
baseline
▲ 0.50% · 4.625%
HK$85,062
+HK$4,260/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,604/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,691
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,263
−HK$2,613/mo
Today · 4.125%
HK$87,876
baseline
▲ 0.50% · 4.625%
HK$93,223
+HK$5,347/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,752/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,993
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,460
−HK$2,503/mo
Today · 4.125%
HK$96,963
baseline
▲ 0.50% · 4.625%
HK$102,074
+HK$5,111/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,926/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,473
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,473
−HK$3,049/mo
Today · 4.125%
HK$102,522
baseline
▲ 0.50% · 4.625%
HK$108,761
+HK$6,239/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$205,044/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,325
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,203
−HK$2,920/mo
Today · 4.125%
HK$113,123
baseline
▲ 0.50% · 4.625%
HK$119,086
+HK$5,963/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$226,246/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,036
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$127,894
−HK$3,920/mo
Today · 4.125%
HK$131,814
baseline
▲ 0.50% · 4.625%
HK$139,835
+HK$8,021/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,628/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,989
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$141,690
−HK$3,754/mo
Today · 4.125%
HK$145,444
baseline
▲ 0.50% · 4.625%
HK$153,111
+HK$7,667/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,888/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,344 · Scale 2, in force from 26 Feb 2026)