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$68,639
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,774
−HK$2,169/mo
Today · 4.125%
HK$72,943
baseline
▲ 0.50% · 4.625%
HK$77,382
+HK$4,439/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,886/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,360
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,408
−HK$2,078/mo
Today · 4.125%
HK$80,486
baseline
▲ 0.50% · 4.625%
HK$84,728
+HK$4,242/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,972/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,367
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,929
−HK$2,603/mo
Today · 4.125%
HK$87,532
baseline
▲ 0.50% · 4.625%
HK$92,858
+HK$5,326/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,064/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,632
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,090
−HK$2,493/mo
Today · 4.125%
HK$96,583
baseline
▲ 0.50% · 4.625%
HK$101,674
+HK$5,091/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,166/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,095
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$99,084
−HK$3,037/mo
Today · 4.125%
HK$102,121
baseline
▲ 0.50% · 4.625%
HK$108,335
+HK$6,214/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,242/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,905
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,772
−HK$2,908/mo
Today · 4.125%
HK$112,680
baseline
▲ 0.50% · 4.625%
HK$118,620
+HK$5,940/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,360/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,551
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,394
−HK$3,904/mo
Today · 4.125%
HK$131,298
baseline
▲ 0.50% · 4.625%
HK$139,287
+HK$7,989/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,596/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,449
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$141,135
−HK$3,740/mo
Today · 4.125%
HK$144,875
baseline
▲ 0.50% · 4.625%
HK$152,511
+HK$7,636/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,750/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,315 · Scale 2, in force from 26 Feb 2026)