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$69,536
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,699
−HK$2,198/mo
Today · 4.125%
HK$73,897
baseline
▲ 0.50% · 4.625%
HK$78,393
+HK$4,496/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,794/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,296,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,358
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,433
−HK$2,105/mo
Today · 4.125%
HK$81,538
baseline
▲ 0.50% · 4.625%
HK$85,836
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,076/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,296,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,443
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,039
−HK$2,637/mo
Today · 4.125%
HK$88,676
baseline
▲ 0.50% · 4.625%
HK$94,072
+HK$5,396/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,352/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,296,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,830
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,320
−HK$2,525/mo
Today · 4.125%
HK$97,845
baseline
▲ 0.50% · 4.625%
HK$103,003
+HK$5,158/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,690/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,296,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,351
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,379
−HK$3,076/mo
Today · 4.125%
HK$103,455
baseline
▲ 0.50% · 4.625%
HK$109,750
+HK$6,295/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,910/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,296,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,302
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,206
−HK$2,947/mo
Today · 4.125%
HK$114,153
baseline
▲ 0.50% · 4.625%
HK$120,170
+HK$6,017/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,306/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,296,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,165
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$129,058
−HK$3,956/mo
Today · 4.125%
HK$133,014
baseline
▲ 0.50% · 4.625%
HK$141,108
+HK$8,094/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,028/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,245
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$142,979
−HK$3,789/mo
Today · 4.125%
HK$146,768
baseline
▲ 0.50% · 4.625%
HK$154,504
+HK$7,736/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,536/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,033 · Scale 2, in force from 26 Feb 2026)