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$68,627
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,762
−HK$2,169/mo
Today · 4.125%
HK$72,931
baseline
▲ 0.50% · 4.625%
HK$77,369
+HK$4,438/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,862/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,347
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,395
−HK$2,077/mo
Today · 4.125%
HK$80,472
baseline
▲ 0.50% · 4.625%
HK$84,714
+HK$4,242/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,944/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,353
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,915
−HK$2,602/mo
Today · 4.125%
HK$87,517
baseline
▲ 0.50% · 4.625%
HK$92,842
+HK$5,325/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,034/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,617
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,074
−HK$2,493/mo
Today · 4.125%
HK$96,567
baseline
▲ 0.50% · 4.625%
HK$101,657
+HK$5,090/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,134/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,078
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,067
−HK$3,036/mo
Today · 4.125%
HK$102,103
baseline
▲ 0.50% · 4.625%
HK$108,316
+HK$6,213/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,206/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,886
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,753
−HK$2,908/mo
Today · 4.125%
HK$112,661
baseline
▲ 0.50% · 4.625%
HK$118,600
+HK$5,939/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,322/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,529
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,372
−HK$3,904/mo
Today · 4.125%
HK$131,276
baseline
▲ 0.50% · 4.625%
HK$139,264
+HK$7,988/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,552/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,425
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,111
−HK$3,739/mo
Today · 4.125%
HK$144,850
baseline
▲ 0.50% · 4.625%
HK$152,485
+HK$7,635/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,700/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,096 · Scale 2, in force from 26 Feb 2026)