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$68,463
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,593
−HK$2,163/mo
Today · 4.125%
HK$72,756
baseline
▲ 0.50% · 4.625%
HK$77,183
+HK$4,427/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,512/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,165
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,207
−HK$2,073/mo
Today · 4.125%
HK$80,280
baseline
▲ 0.50% · 4.625%
HK$84,511
+HK$4,231/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,560/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,156
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,711
−HK$2,597/mo
Today · 4.125%
HK$87,308
baseline
▲ 0.50% · 4.625%
HK$92,620
+HK$5,312/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$174,616/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,397
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,849
−HK$2,486/mo
Today · 4.125%
HK$96,335
baseline
▲ 0.50% · 4.625%
HK$101,413
+HK$5,078/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$192,670/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,848
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,830
−HK$3,029/mo
Today · 4.125%
HK$101,859
baseline
▲ 0.50% · 4.625%
HK$108,057
+HK$6,198/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,718/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,276,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,630
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,490
−HK$2,901/mo
Today · 4.125%
HK$112,391
baseline
▲ 0.50% · 4.625%
HK$118,316
+HK$5,925/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,782/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,276,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,234
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,067
−HK$3,895/mo
Today · 4.125%
HK$130,962
baseline
▲ 0.50% · 4.625%
HK$138,930
+HK$7,968/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$261,924/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,096
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$140,773
−HK$3,730/mo
Today · 4.125%
HK$144,503
baseline
▲ 0.50% · 4.625%
HK$152,120
+HK$7,617/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$289,006/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,034 · Scale 2, in force from 26 Feb 2026)