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$68,680
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,817
−HK$2,170/mo
Today · 4.125%
HK$72,987
baseline
▲ 0.50% · 4.625%
HK$77,428
+HK$4,441/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,974/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,406
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,455
−HK$2,079/mo
Today · 4.125%
HK$80,534
baseline
▲ 0.50% · 4.625%
HK$84,779
+HK$4,245/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,068/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,416
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,980
−HK$2,604/mo
Today · 4.125%
HK$87,584
baseline
▲ 0.50% · 4.625%
HK$92,914
+HK$5,330/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,168/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,687
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,146
−HK$2,495/mo
Today · 4.125%
HK$96,641
baseline
▲ 0.50% · 4.625%
HK$101,735
+HK$5,094/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,282/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,152
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,143
−HK$3,039/mo
Today · 4.125%
HK$102,182
baseline
▲ 0.50% · 4.625%
HK$108,399
+HK$6,217/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$204,364/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,968
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,837
−HK$2,911/mo
Today · 4.125%
HK$112,748
baseline
▲ 0.50% · 4.625%
HK$118,691
+HK$5,943/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$225,496/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,624
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,470
−HK$3,907/mo
Today · 4.125%
HK$131,377
baseline
▲ 0.50% · 4.625%
HK$139,371
+HK$7,994/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,754/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,531
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$141,219
−HK$3,742/mo
Today · 4.125%
HK$144,961
baseline
▲ 0.50% · 4.625%
HK$152,602
+HK$7,641/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,922/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,080 · Scale 2, in force from 26 Feb 2026)