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$68,466
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,596
−HK$2,164/mo
Today · 4.125%
HK$72,760
baseline
▲ 0.50% · 4.625%
HK$77,187
+HK$4,427/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,520/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,168
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,211
−HK$2,072/mo
Today · 4.125%
HK$80,283
baseline
▲ 0.50% · 4.625%
HK$84,515
+HK$4,232/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,566/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,159
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,715
−HK$2,596/mo
Today · 4.125%
HK$87,311
baseline
▲ 0.50% · 4.625%
HK$92,624
+HK$5,313/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$174,622/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,401
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,853
−HK$2,487/mo
Today · 4.125%
HK$96,340
baseline
▲ 0.50% · 4.625%
HK$101,418
+HK$5,078/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$192,680/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,853
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,834
−HK$3,029/mo
Today · 4.125%
HK$101,863
baseline
▲ 0.50% · 4.625%
HK$108,062
+HK$6,199/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,726/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,276,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,635
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,495
−HK$2,901/mo
Today · 4.125%
HK$112,396
baseline
▲ 0.50% · 4.625%
HK$118,321
+HK$5,925/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,792/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,276,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,239
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,072
−HK$3,895/mo
Today · 4.125%
HK$130,967
baseline
▲ 0.50% · 4.625%
HK$138,936
+HK$7,969/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$261,934/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,102
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$140,779
−HK$3,730/mo
Today · 4.125%
HK$144,509
baseline
▲ 0.50% · 4.625%
HK$152,127
+HK$7,618/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$289,018/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,089 · Scale 2, in force from 26 Feb 2026)