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$68,686
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,823
−HK$2,170/mo
Today · 4.125%
HK$72,993
baseline
▲ 0.50% · 4.625%
HK$77,435
+HK$4,442/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,986/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,412
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,462
−HK$2,079/mo
Today · 4.125%
HK$80,541
baseline
▲ 0.50% · 4.625%
HK$84,786
+HK$4,245/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,082/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,423
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,987
−HK$2,605/mo
Today · 4.125%
HK$87,592
baseline
▲ 0.50% · 4.625%
HK$92,922
+HK$5,330/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,184/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,695
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,154
−HK$2,495/mo
Today · 4.125%
HK$96,649
baseline
▲ 0.50% · 4.625%
HK$101,743
+HK$5,094/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,298/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,160
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,152
−HK$3,039/mo
Today · 4.125%
HK$102,191
baseline
▲ 0.50% · 4.625%
HK$108,409
+HK$6,218/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,382/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,977
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,847
−HK$2,910/mo
Today · 4.125%
HK$112,757
baseline
▲ 0.50% · 4.625%
HK$118,701
+HK$5,944/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,514/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,635
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,481
−HK$3,907/mo
Today · 4.125%
HK$131,388
baseline
▲ 0.50% · 4.625%
HK$139,382
+HK$7,994/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,776/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,542
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$141,231
−HK$3,742/mo
Today · 4.125%
HK$144,973
baseline
▲ 0.50% · 4.625%
HK$152,615
+HK$7,642/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,946/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,188 · Scale 2, in force from 26 Feb 2026)