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$69,106
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,256
−HK$2,184/mo
Today · 4.125%
HK$73,440
baseline
▲ 0.50% · 4.625%
HK$77,908
+HK$4,468/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,880/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,880
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,942
−HK$2,092/mo
Today · 4.125%
HK$81,034
baseline
▲ 0.50% · 4.625%
HK$85,305
+HK$4,271/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,068/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,927
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,507
−HK$2,621/mo
Today · 4.125%
HK$88,128
baseline
▲ 0.50% · 4.625%
HK$93,490
+HK$5,362/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,256/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,256
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,730
−HK$2,510/mo
Today · 4.125%
HK$97,240
baseline
▲ 0.50% · 4.625%
HK$102,366
+HK$5,126/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,480/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,749
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,758
−HK$3,058/mo
Today · 4.125%
HK$102,816
baseline
▲ 0.50% · 4.625%
HK$109,072
+HK$6,256/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,632/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,632
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,519
−HK$2,928/mo
Today · 4.125%
HK$113,447
baseline
▲ 0.50% · 4.625%
HK$119,427
+HK$5,980/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,894/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,391
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,260
−HK$3,932/mo
Today · 4.125%
HK$132,192
baseline
▲ 0.50% · 4.625%
HK$140,235
+HK$8,043/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,384/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,384
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,095
−HK$3,765/mo
Today · 4.125%
HK$145,860
baseline
▲ 0.50% · 4.625%
HK$153,549
+HK$7,689/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,720/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,019 · Scale 2, in force from 26 Feb 2026)