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$68,809
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,949
−HK$2,175/mo
Today · 4.125%
HK$73,124
baseline
▲ 0.50% · 4.625%
HK$77,573
+HK$4,449/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,248/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,549
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,602
−HK$2,083/mo
Today · 4.125%
HK$80,685
baseline
▲ 0.50% · 4.625%
HK$84,938
+HK$4,253/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,370/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,571
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,139
−HK$2,610/mo
Today · 4.125%
HK$87,749
baseline
▲ 0.50% · 4.625%
HK$93,088
+HK$5,339/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,498/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,859
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,323
−HK$2,499/mo
Today · 4.125%
HK$96,822
baseline
▲ 0.50% · 4.625%
HK$101,926
+HK$5,104/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,644/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,333
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,329
−HK$3,045/mo
Today · 4.125%
HK$102,374
baseline
▲ 0.50% · 4.625%
HK$108,603
+HK$6,229/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,748/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,169
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,043
−HK$2,916/mo
Today · 4.125%
HK$112,959
baseline
▲ 0.50% · 4.625%
HK$118,913
+HK$5,954/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,918/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,856
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,709
−HK$3,914/mo
Today · 4.125%
HK$131,623
baseline
▲ 0.50% · 4.625%
HK$139,632
+HK$8,009/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$263,246/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,789
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,484
−HK$3,749/mo
Today · 4.125%
HK$145,233
baseline
▲ 0.50% · 4.625%
HK$152,889
+HK$7,656/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$290,466/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,481 · Scale 2, in force from 26 Feb 2026)