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$68,563
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,696
−HK$2,166/mo
Today · 4.125%
HK$72,862
baseline
▲ 0.50% · 4.625%
HK$77,296
+HK$4,434/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,724/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,275
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,321
−HK$2,075/mo
Today · 4.125%
HK$80,396
baseline
▲ 0.50% · 4.625%
HK$84,634
+HK$4,238/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,792/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,275
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,835
−HK$2,600/mo
Today · 4.125%
HK$87,435
baseline
▲ 0.50% · 4.625%
HK$92,755
+HK$5,320/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,870/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,277,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,531
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,985
−HK$2,491/mo
Today · 4.125%
HK$96,476
baseline
▲ 0.50% · 4.625%
HK$101,561
+HK$5,085/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,952/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,277,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,988
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,974
−HK$3,033/mo
Today · 4.125%
HK$102,007
baseline
▲ 0.50% · 4.625%
HK$108,214
+HK$6,207/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,014/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,786
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,650
−HK$2,905/mo
Today · 4.125%
HK$112,555
baseline
▲ 0.50% · 4.625%
HK$118,488
+HK$5,933/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,110/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,413
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,252
−HK$3,900/mo
Today · 4.125%
HK$131,152
baseline
▲ 0.50% · 4.625%
HK$139,133
+HK$7,981/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,304/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,296
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$140,978
−HK$3,736/mo
Today · 4.125%
HK$144,714
baseline
▲ 0.50% · 4.625%
HK$152,342
+HK$7,628/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,428/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,892 · Scale 2, in force from 26 Feb 2026)