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$68,980
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,126
−HK$2,179/mo
Today · 4.125%
HK$73,305
baseline
▲ 0.50% · 4.625%
HK$77,766
+HK$4,461/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,610/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,739
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,798
−HK$2,087/mo
Today · 4.125%
HK$80,885
baseline
▲ 0.50% · 4.625%
HK$85,149
+HK$4,264/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,770/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,776
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,351
−HK$2,616/mo
Today · 4.125%
HK$87,967
baseline
▲ 0.50% · 4.625%
HK$93,319
+HK$5,352/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,934/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,087
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,557
−HK$2,505/mo
Today · 4.125%
HK$97,062
baseline
▲ 0.50% · 4.625%
HK$102,179
+HK$5,117/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,124/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,572
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,576
−HK$3,052/mo
Today · 4.125%
HK$102,628
baseline
▲ 0.50% · 4.625%
HK$108,872
+HK$6,244/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,256/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,435
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,317
−HK$2,923/mo
Today · 4.125%
HK$113,240
baseline
▲ 0.50% · 4.625%
HK$119,209
+HK$5,969/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,480/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,164
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,026
−HK$3,924/mo
Today · 4.125%
HK$131,950
baseline
▲ 0.50% · 4.625%
HK$139,979
+HK$8,029/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,900/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,131
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,836
−HK$3,758/mo
Today · 4.125%
HK$145,594
baseline
▲ 0.50% · 4.625%
HK$153,268
+HK$7,674/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,188/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,665 · Scale 2, in force from 26 Feb 2026)