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$68,529
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,661
−HK$2,165/mo
Today · 4.125%
HK$72,826
baseline
▲ 0.50% · 4.625%
HK$77,258
+HK$4,432/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,652/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,277,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,238
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,283
−HK$2,074/mo
Today · 4.125%
HK$80,357
baseline
▲ 0.50% · 4.625%
HK$84,593
+HK$4,236/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,714/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,277,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,235
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,793
−HK$2,599/mo
Today · 4.125%
HK$87,392
baseline
▲ 0.50% · 4.625%
HK$92,709
+HK$5,317/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,784/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,486
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,939
−HK$2,489/mo
Today · 4.125%
HK$96,428
baseline
▲ 0.50% · 4.625%
HK$101,511
+HK$5,083/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,856/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,941
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,925
−HK$3,032/mo
Today · 4.125%
HK$101,957
baseline
▲ 0.50% · 4.625%
HK$108,161
+HK$6,204/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,914/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,733
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$109,596
−HK$2,904/mo
Today · 4.125%
HK$112,500
baseline
▲ 0.50% · 4.625%
HK$118,430
+HK$5,930/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,000/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,352
−HK$7,736/mo
▼ 0.25% · 3.875%
HK$127,189
−HK$3,899/mo
Today · 4.125%
HK$131,088
baseline
▲ 0.50% · 4.625%
HK$139,064
+HK$7,976/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$262,176/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,228
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$140,909
−HK$3,733/mo
Today · 4.125%
HK$144,642
baseline
▲ 0.50% · 4.625%
HK$152,267
+HK$7,625/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$289,284/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,263 · Scale 2, in force from 26 Feb 2026)