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$69,542
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,705
−HK$2,198/mo
Today · 4.125%
HK$73,903
baseline
▲ 0.50% · 4.625%
HK$78,400
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,806/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,296,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,365
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,440
−HK$2,105/mo
Today · 4.125%
HK$81,545
baseline
▲ 0.50% · 4.625%
HK$85,843
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,090/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,296,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,450
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,046
−HK$2,637/mo
Today · 4.125%
HK$88,683
baseline
▲ 0.50% · 4.625%
HK$94,080
+HK$5,397/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,366/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,838
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,328
−HK$2,525/mo
Today · 4.125%
HK$97,853
baseline
▲ 0.50% · 4.625%
HK$103,011
+HK$5,158/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,706/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,359
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,387
−HK$3,077/mo
Today · 4.125%
HK$103,464
baseline
▲ 0.50% · 4.625%
HK$109,760
+HK$6,296/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,928/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,311
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,216
−HK$2,946/mo
Today · 4.125%
HK$114,162
baseline
▲ 0.50% · 4.625%
HK$120,180
+HK$6,018/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,324/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,176
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$129,069
−HK$3,956/mo
Today · 4.125%
HK$133,025
baseline
▲ 0.50% · 4.625%
HK$141,119
+HK$8,094/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,050/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,257
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$142,991
−HK$3,789/mo
Today · 4.125%
HK$146,780
baseline
▲ 0.50% · 4.625%
HK$154,517
+HK$7,737/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,560/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,142 · Scale 2, in force from 26 Feb 2026)