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$68,662
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,798
−HK$2,170/mo
Today · 4.125%
HK$72,968
baseline
▲ 0.50% · 4.625%
HK$77,408
+HK$4,440/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,936/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,386
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,435
−HK$2,078/mo
Today · 4.125%
HK$80,513
baseline
▲ 0.50% · 4.625%
HK$84,757
+HK$4,244/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,026/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,395
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,958
−HK$2,604/mo
Today · 4.125%
HK$87,562
baseline
▲ 0.50% · 4.625%
HK$92,890
+HK$5,328/mo
Deposit HK$12.04M · loan HK$18.07M · min. income ≈ HK$175,124/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,663
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,122
−HK$2,494/mo
Today · 4.125%
HK$96,616
baseline
▲ 0.50% · 4.625%
HK$101,708
+HK$5,092/mo
Deposit HK$12.04M · loan HK$18.07M · min. income ≈ HK$193,232/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,127
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$99,117
−HK$3,038/mo
Today · 4.125%
HK$102,155
baseline
▲ 0.50% · 4.625%
HK$108,371
+HK$6,216/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$204,310/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,941
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,809
−HK$2,909/mo
Today · 4.125%
HK$112,718
baseline
▲ 0.50% · 4.625%
HK$118,660
+HK$5,942/mo
Deposit HK$9.03M · loan HK$21.08M · min. income ≈ HK$225,436/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,592
−HK$7,750/mo
▼ 0.25% · 3.875%
HK$127,437
−HK$3,905/mo
Today · 4.125%
HK$131,342
baseline
▲ 0.50% · 4.625%
HK$139,334
+HK$7,992/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$262,684/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,495
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$141,183
−HK$3,740/mo
Today · 4.125%
HK$144,923
baseline
▲ 0.50% · 4.625%
HK$152,562
+HK$7,639/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$289,846/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,745 · Scale 2, in force from 26 Feb 2026)