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$68,889
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,032
−HK$2,177/mo
Today · 4.125%
HK$73,209
baseline
▲ 0.50% · 4.625%
HK$77,664
+HK$4,455/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,418/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,638
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,694
−HK$2,085/mo
Today · 4.125%
HK$80,779
baseline
▲ 0.50% · 4.625%
HK$85,037
+HK$4,258/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,558/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,667
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,238
−HK$2,613/mo
Today · 4.125%
HK$87,851
baseline
▲ 0.50% · 4.625%
HK$93,196
+HK$5,345/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$175,702/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,966
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,432
−HK$2,503/mo
Today · 4.125%
HK$96,935
baseline
▲ 0.50% · 4.625%
HK$102,044
+HK$5,109/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$193,870/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,445
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,445
−HK$3,048/mo
Today · 4.125%
HK$102,493
baseline
▲ 0.50% · 4.625%
HK$108,729
+HK$6,236/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$204,986/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,294
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,171
−HK$2,919/mo
Today · 4.125%
HK$113,090
baseline
▲ 0.50% · 4.625%
HK$119,052
+HK$5,962/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$226,180/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,000
−HK$7,776/mo
▼ 0.25% · 3.875%
HK$127,857
−HK$3,919/mo
Today · 4.125%
HK$131,776
baseline
▲ 0.50% · 4.625%
HK$139,794
+HK$8,018/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,552/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,283,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,949
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$141,649
−HK$3,753/mo
Today · 4.125%
HK$145,402
baseline
▲ 0.50% · 4.625%
HK$153,066
+HK$7,664/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,804/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,283,972 · Scale 2, in force from 26 Feb 2026)