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$68,846
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,987
−HK$2,176/mo
Today · 4.125%
HK$73,163
baseline
▲ 0.50% · 4.625%
HK$77,615
+HK$4,452/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,326/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,590
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,644
−HK$2,084/mo
Today · 4.125%
HK$80,728
baseline
▲ 0.50% · 4.625%
HK$84,984
+HK$4,256/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,456/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,615
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,185
−HK$2,611/mo
Today · 4.125%
HK$87,796
baseline
▲ 0.50% · 4.625%
HK$93,138
+HK$5,342/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,592/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,908
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,373
−HK$2,501/mo
Today · 4.125%
HK$96,874
baseline
▲ 0.50% · 4.625%
HK$101,980
+HK$5,106/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,748/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,384
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,382
−HK$3,046/mo
Today · 4.125%
HK$102,428
baseline
▲ 0.50% · 4.625%
HK$108,661
+HK$6,233/mo
Deposit HK$9.06M · loan HK$21.13M · min. income ≈ HK$204,856/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,226
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,102
−HK$2,918/mo
Today · 4.125%
HK$113,020
baseline
▲ 0.50% · 4.625%
HK$118,977
+HK$5,957/mo
Deposit HK$9.06M · loan HK$21.13M · min. income ≈ HK$226,040/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,923
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$127,777
−HK$3,917/mo
Today · 4.125%
HK$131,694
baseline
▲ 0.50% · 4.625%
HK$139,707
+HK$8,013/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$263,388/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,863
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$141,560
−HK$3,751/mo
Today · 4.125%
HK$145,311
baseline
▲ 0.50% · 4.625%
HK$152,970
+HK$7,659/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$290,622/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,167 · Scale 2, in force from 26 Feb 2026)