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$68,516
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,647
−HK$2,165/mo
Today · 4.125%
HK$72,812
baseline
▲ 0.50% · 4.625%
HK$77,243
+HK$4,431/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,624/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,277,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,223
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,268
−HK$2,073/mo
Today · 4.125%
HK$80,341
baseline
▲ 0.50% · 4.625%
HK$84,576
+HK$4,235/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,682/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,277,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,219
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,777
−HK$2,598/mo
Today · 4.125%
HK$87,375
baseline
▲ 0.50% · 4.625%
HK$92,692
+HK$5,317/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,750/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,468
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,921
−HK$2,489/mo
Today · 4.125%
HK$96,410
baseline
▲ 0.50% · 4.625%
HK$101,492
+HK$5,082/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,820/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,922
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,906
−HK$3,031/mo
Today · 4.125%
HK$101,937
baseline
▲ 0.50% · 4.625%
HK$108,140
+HK$6,203/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,874/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,713
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,575
−HK$2,903/mo
Today · 4.125%
HK$112,478
baseline
▲ 0.50% · 4.625%
HK$118,407
+HK$5,929/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,956/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,329
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,165
−HK$3,897/mo
Today · 4.125%
HK$131,062
baseline
▲ 0.50% · 4.625%
HK$139,037
+HK$7,975/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$262,124/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,202
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,882
−HK$3,732/mo
Today · 4.125%
HK$144,614
baseline
▲ 0.50% · 4.625%
HK$152,237
+HK$7,623/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$289,228/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,018 · Scale 2, in force from 26 Feb 2026)