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$68,852
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,994
−HK$2,176/mo
Today · 4.125%
HK$73,170
baseline
▲ 0.50% · 4.625%
HK$77,622
+HK$4,452/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,340/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,597
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,652
−HK$2,084/mo
Today · 4.125%
HK$80,736
baseline
▲ 0.50% · 4.625%
HK$84,991
+HK$4,255/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,472/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,623
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,193
−HK$2,611/mo
Today · 4.125%
HK$87,804
baseline
▲ 0.50% · 4.625%
HK$93,147
+HK$5,343/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,608/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,917
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,382
−HK$2,501/mo
Today · 4.125%
HK$96,883
baseline
▲ 0.50% · 4.625%
HK$101,990
+HK$5,107/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,766/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,393
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,392
−HK$3,046/mo
Today · 4.125%
HK$102,438
baseline
▲ 0.50% · 4.625%
HK$108,671
+HK$6,233/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,876/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,236
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,112
−HK$2,918/mo
Today · 4.125%
HK$113,030
baseline
▲ 0.50% · 4.625%
HK$118,988
+HK$5,958/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,060/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,934
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,789
−HK$3,917/mo
Today · 4.125%
HK$131,706
baseline
▲ 0.50% · 4.625%
HK$139,720
+HK$8,014/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,412/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,875
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,573
−HK$3,751/mo
Today · 4.125%
HK$145,324
baseline
▲ 0.50% · 4.625%
HK$152,985
+HK$7,661/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,648/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,286 · Scale 2, in force from 26 Feb 2026)