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$68,729
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,867
−HK$2,172/mo
Today · 4.125%
HK$73,039
baseline
▲ 0.50% · 4.625%
HK$77,483
+HK$4,444/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,078/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,460
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,511
−HK$2,080/mo
Today · 4.125%
HK$80,591
baseline
▲ 0.50% · 4.625%
HK$84,839
+HK$4,248/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,182/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,474
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,040
−HK$2,606/mo
Today · 4.125%
HK$87,646
baseline
▲ 0.50% · 4.625%
HK$92,979
+HK$5,333/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$175,292/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,752
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,213
−HK$2,496/mo
Today · 4.125%
HK$96,709
baseline
▲ 0.50% · 4.625%
HK$101,807
+HK$5,098/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$193,418/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,220
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,213
−HK$3,041/mo
Today · 4.125%
HK$102,254
baseline
▲ 0.50% · 4.625%
HK$108,476
+HK$6,222/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,508/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,044
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,915
−HK$2,912/mo
Today · 4.125%
HK$112,827
baseline
▲ 0.50% · 4.625%
HK$118,774
+HK$5,947/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,654/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,712
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$127,560
−HK$3,909/mo
Today · 4.125%
HK$131,469
baseline
▲ 0.50% · 4.625%
HK$139,469
+HK$8,000/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$262,938/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,280,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,628
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,319
−HK$3,745/mo
Today · 4.125%
HK$145,064
baseline
▲ 0.50% · 4.625%
HK$152,710
+HK$7,646/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$290,128/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,280,983 · Scale 2, in force from 26 Feb 2026)