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$68,912
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,056
−HK$2,178/mo
Today · 4.125%
HK$73,234
baseline
▲ 0.50% · 4.625%
HK$77,690
+HK$4,456/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,468/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,664
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,720
−HK$2,086/mo
Today · 4.125%
HK$80,806
baseline
▲ 0.50% · 4.625%
HK$85,065
+HK$4,259/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,612/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,695
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,267
−HK$2,613/mo
Today · 4.125%
HK$87,880
baseline
▲ 0.50% · 4.625%
HK$93,228
+HK$5,348/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,760/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,997
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,464
−HK$2,503/mo
Today · 4.125%
HK$96,967
baseline
▲ 0.50% · 4.625%
HK$102,078
+HK$5,111/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,934/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,477
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,478
−HK$3,049/mo
Today · 4.125%
HK$102,527
baseline
▲ 0.50% · 4.625%
HK$108,765
+HK$6,238/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$205,054/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,330
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,208
−HK$2,920/mo
Today · 4.125%
HK$113,128
baseline
▲ 0.50% · 4.625%
HK$119,092
+HK$5,964/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$226,256/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,042
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$127,900
−HK$3,920/mo
Today · 4.125%
HK$131,820
baseline
▲ 0.50% · 4.625%
HK$139,841
+HK$8,021/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,640/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,995
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$141,696
−HK$3,755/mo
Today · 4.125%
HK$145,451
baseline
▲ 0.50% · 4.625%
HK$153,118
+HK$7,667/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,902/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,403 · Scale 2, in force from 26 Feb 2026)