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$68,842
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,983
−HK$2,176/mo
Today · 4.125%
HK$73,159
baseline
▲ 0.50% · 4.625%
HK$77,610
+HK$4,451/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,318/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,586
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,640
−HK$2,084/mo
Today · 4.125%
HK$80,724
baseline
▲ 0.50% · 4.625%
HK$84,979
+HK$4,255/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,448/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,610
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,180
−HK$2,611/mo
Today · 4.125%
HK$87,791
baseline
▲ 0.50% · 4.625%
HK$93,133
+HK$5,342/mo
Deposit HK$12.08M · loan HK$18.11M · min. income ≈ HK$175,582/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,903
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,368
−HK$2,500/mo
Today · 4.125%
HK$96,868
baseline
▲ 0.50% · 4.625%
HK$101,974
+HK$5,106/mo
Deposit HK$12.08M · loan HK$18.11M · min. income ≈ HK$193,736/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,379
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,377
−HK$3,046/mo
Today · 4.125%
HK$102,423
baseline
▲ 0.50% · 4.625%
HK$108,655
+HK$6,232/mo
Deposit HK$9.06M · loan HK$21.13M · min. income ≈ HK$204,846/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,220
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,096
−HK$2,917/mo
Today · 4.125%
HK$113,013
baseline
▲ 0.50% · 4.625%
HK$118,970
+HK$5,957/mo
Deposit HK$9.06M · loan HK$21.13M · min. income ≈ HK$226,026/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,915
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$127,770
−HK$3,916/mo
Today · 4.125%
HK$131,686
baseline
▲ 0.50% · 4.625%
HK$139,699
+HK$8,013/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$263,372/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,855
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$141,552
−HK$3,751/mo
Today · 4.125%
HK$145,303
baseline
▲ 0.50% · 4.625%
HK$152,962
+HK$7,659/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$290,606/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,094 · Scale 2, in force from 26 Feb 2026)