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$68,599
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,733
−HK$2,168/mo
Today · 4.125%
HK$72,901
baseline
▲ 0.50% · 4.625%
HK$77,336
+HK$4,435/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,802/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,315
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,362
−HK$2,077/mo
Today · 4.125%
HK$80,439
baseline
▲ 0.50% · 4.625%
HK$84,679
+HK$4,240/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,878/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,319
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,879
−HK$2,602/mo
Today · 4.125%
HK$87,481
baseline
▲ 0.50% · 4.625%
HK$92,804
+HK$5,323/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,962/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,579
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,035
−HK$2,491/mo
Today · 4.125%
HK$96,526
baseline
▲ 0.50% · 4.625%
HK$101,614
+HK$5,088/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,052/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,038
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,026
−HK$3,035/mo
Today · 4.125%
HK$102,061
baseline
▲ 0.50% · 4.625%
HK$108,271
+HK$6,210/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,122/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,842
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,707
−HK$2,907/mo
Today · 4.125%
HK$112,614
baseline
▲ 0.50% · 4.625%
HK$118,550
+HK$5,936/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,228/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,478
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$127,319
−HK$3,902/mo
Today · 4.125%
HK$131,221
baseline
▲ 0.50% · 4.625%
HK$139,205
+HK$7,984/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,442/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,368
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$141,052
−HK$3,737/mo
Today · 4.125%
HK$144,789
baseline
▲ 0.50% · 4.625%
HK$152,421
+HK$7,632/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,578/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,562 · Scale 2, in force from 26 Feb 2026)