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$68,545
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,677
−HK$2,166/mo
Today · 4.125%
HK$72,843
baseline
▲ 0.50% · 4.625%
HK$77,275
+HK$4,432/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,686/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,255
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,300
−HK$2,075/mo
Today · 4.125%
HK$80,375
baseline
▲ 0.50% · 4.625%
HK$84,612
+HK$4,237/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,750/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,254
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,812
−HK$2,600/mo
Today · 4.125%
HK$87,412
baseline
▲ 0.50% · 4.625%
HK$92,730
+HK$5,318/mo
Deposit HK$12.02M · loan HK$18.04M · min. income ≈ HK$174,824/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,506
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,960
−HK$2,490/mo
Today · 4.125%
HK$96,450
baseline
▲ 0.50% · 4.625%
HK$101,534
+HK$5,084/mo
Deposit HK$12.02M · loan HK$18.04M · min. income ≈ HK$192,900/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,963
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$98,948
−HK$3,032/mo
Today · 4.125%
HK$101,980
baseline
▲ 0.50% · 4.625%
HK$108,186
+HK$6,206/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,960/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,757
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,621
−HK$2,904/mo
Today · 4.125%
HK$112,525
baseline
▲ 0.50% · 4.625%
HK$118,457
+HK$5,932/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,050/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,380
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$127,218
−HK$3,900/mo
Today · 4.125%
HK$131,118
baseline
▲ 0.50% · 4.625%
HK$139,096
+HK$7,978/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$262,236/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,260
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$140,941
−HK$3,734/mo
Today · 4.125%
HK$144,675
baseline
▲ 0.50% · 4.625%
HK$152,301
+HK$7,626/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$289,350/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,554 · Scale 2, in force from 26 Feb 2026)