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$68,713
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,850
−HK$2,172/mo
Today · 4.125%
HK$73,022
baseline
▲ 0.50% · 4.625%
HK$77,465
+HK$4,443/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,044/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,442
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,493
−HK$2,079/mo
Today · 4.125%
HK$80,572
baseline
▲ 0.50% · 4.625%
HK$84,820
+HK$4,248/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,144/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,456
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,020
−HK$2,606/mo
Today · 4.125%
HK$87,626
baseline
▲ 0.50% · 4.625%
HK$92,958
+HK$5,332/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,252/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,731
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,191
−HK$2,496/mo
Today · 4.125%
HK$96,687
baseline
▲ 0.50% · 4.625%
HK$101,783
+HK$5,096/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,374/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,198
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,190
−HK$3,041/mo
Today · 4.125%
HK$102,231
baseline
▲ 0.50% · 4.625%
HK$108,451
+HK$6,220/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,462/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,019
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,890
−HK$2,911/mo
Today · 4.125%
HK$112,801
baseline
▲ 0.50% · 4.625%
HK$118,747
+HK$5,946/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,602/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,683
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$127,531
−HK$3,908/mo
Today · 4.125%
HK$131,439
baseline
▲ 0.50% · 4.625%
HK$139,437
+HK$7,998/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,878/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,596
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$141,287
−HK$3,743/mo
Today · 4.125%
HK$145,030
baseline
▲ 0.50% · 4.625%
HK$152,675
+HK$7,645/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,060/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,690 · Scale 2, in force from 26 Feb 2026)