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$68,757
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,896
−HK$2,173/mo
Today · 4.125%
HK$73,069
baseline
▲ 0.50% · 4.625%
HK$77,515
+HK$4,446/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,138/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,492
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,543
−HK$2,081/mo
Today · 4.125%
HK$80,624
baseline
▲ 0.50% · 4.625%
HK$84,874
+HK$4,250/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,248/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,509
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,075
−HK$2,608/mo
Today · 4.125%
HK$87,683
baseline
▲ 0.50% · 4.625%
HK$93,018
+HK$5,335/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,366/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,790
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,252
−HK$2,497/mo
Today · 4.125%
HK$96,749
baseline
▲ 0.50% · 4.625%
HK$101,849
+HK$5,100/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,498/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,260
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,255
−HK$3,042/mo
Today · 4.125%
HK$102,297
baseline
▲ 0.50% · 4.625%
HK$108,521
+HK$6,224/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,594/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,089
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$109,961
−HK$2,913/mo
Today · 4.125%
HK$112,874
baseline
▲ 0.50% · 4.625%
HK$118,824
+HK$5,950/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,748/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,763
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,613
−HK$3,911/mo
Today · 4.125%
HK$131,524
baseline
▲ 0.50% · 4.625%
HK$139,527
+HK$8,003/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,048/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,685
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,378
−HK$3,746/mo
Today · 4.125%
HK$145,124
baseline
▲ 0.50% · 4.625%
HK$152,774
+HK$7,650/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,248/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,517 · Scale 2, in force from 26 Feb 2026)