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$68,606
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,740
−HK$2,168/mo
Today · 4.125%
HK$72,908
baseline
▲ 0.50% · 4.625%
HK$77,344
+HK$4,436/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,816/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,323
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,370
−HK$2,077/mo
Today · 4.125%
HK$80,447
baseline
▲ 0.50% · 4.625%
HK$84,687
+HK$4,240/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,894/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,327
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,888
−HK$2,601/mo
Today · 4.125%
HK$87,489
baseline
▲ 0.50% · 4.625%
HK$92,813
+HK$5,324/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,978/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,588
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,044
−HK$2,492/mo
Today · 4.125%
HK$96,536
baseline
▲ 0.50% · 4.625%
HK$101,625
+HK$5,089/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,072/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,048
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,036
−HK$3,035/mo
Today · 4.125%
HK$102,071
baseline
▲ 0.50% · 4.625%
HK$108,282
+HK$6,211/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,142/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,852
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,718
−HK$2,907/mo
Today · 4.125%
HK$112,625
baseline
▲ 0.50% · 4.625%
HK$118,562
+HK$5,937/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,250/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,490
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$127,332
−HK$3,902/mo
Today · 4.125%
HK$131,234
baseline
▲ 0.50% · 4.625%
HK$139,219
+HK$7,985/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,468/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,382
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$141,066
−HK$3,738/mo
Today · 4.125%
HK$144,804
baseline
▲ 0.50% · 4.625%
HK$152,437
+HK$7,633/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,608/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,691 · Scale 2, in force from 26 Feb 2026)