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$68,828
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,969
−HK$2,175/mo
Today · 4.125%
HK$73,144
baseline
▲ 0.50% · 4.625%
HK$77,595
+HK$4,451/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,288/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,282,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,571
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,624
−HK$2,083/mo
Today · 4.125%
HK$80,707
baseline
▲ 0.50% · 4.625%
HK$84,962
+HK$4,255/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,414/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,282,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,594
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,163
−HK$2,610/mo
Today · 4.125%
HK$87,773
baseline
▲ 0.50% · 4.625%
HK$93,114
+HK$5,341/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,546/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,282,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,885
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,349
−HK$2,500/mo
Today · 4.125%
HK$96,849
baseline
▲ 0.50% · 4.625%
HK$101,954
+HK$5,105/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,698/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,282,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,359
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,357
−HK$3,045/mo
Today · 4.125%
HK$102,402
baseline
▲ 0.50% · 4.625%
HK$108,633
+HK$6,231/mo
Deposit HK$9.06M · loan HK$21.13M · min. income ≈ HK$204,804/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,199
−HK$5,791/mo
▼ 0.25% · 3.875%
HK$110,074
−HK$2,916/mo
Today · 4.125%
HK$112,990
baseline
▲ 0.50% · 4.625%
HK$118,946
+HK$5,956/mo
Deposit HK$9.06M · loan HK$21.13M · min. income ≈ HK$225,980/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,891
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,744
−HK$3,916/mo
Today · 4.125%
HK$131,660
baseline
▲ 0.50% · 4.625%
HK$139,671
+HK$8,011/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$263,320/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,827
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$141,524
−HK$3,749/mo
Today · 4.125%
HK$145,273
baseline
▲ 0.50% · 4.625%
HK$152,931
+HK$7,658/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$290,546/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,837 · Scale 2, in force from 26 Feb 2026)