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$68,572
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,705
−HK$2,167/mo
Today · 4.125%
HK$72,872
baseline
▲ 0.50% · 4.625%
HK$77,307
+HK$4,435/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,744/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,278,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,286
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,332
−HK$2,076/mo
Today · 4.125%
HK$80,408
baseline
▲ 0.50% · 4.625%
HK$84,646
+HK$4,238/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,816/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,278,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,287
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,846
−HK$2,601/mo
Today · 4.125%
HK$87,447
baseline
▲ 0.50% · 4.625%
HK$92,768
+HK$5,321/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,894/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,543
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,998
−HK$2,491/mo
Today · 4.125%
HK$96,489
baseline
▲ 0.50% · 4.625%
HK$101,575
+HK$5,086/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,978/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,001
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,987
−HK$3,034/mo
Today · 4.125%
HK$102,021
baseline
▲ 0.50% · 4.625%
HK$108,229
+HK$6,208/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,042/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,800
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,665
−HK$2,906/mo
Today · 4.125%
HK$112,571
baseline
▲ 0.50% · 4.625%
HK$118,504
+HK$5,933/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,142/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,430
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$127,270
−HK$3,900/mo
Today · 4.125%
HK$131,170
baseline
▲ 0.50% · 4.625%
HK$139,152
+HK$7,982/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,340/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,315
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$140,998
−HK$3,736/mo
Today · 4.125%
HK$144,734
baseline
▲ 0.50% · 4.625%
HK$152,363
+HK$7,629/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,468/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,069 · Scale 2, in force from 26 Feb 2026)