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$69,547
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,710
−HK$2,198/mo
Today · 4.125%
HK$73,908
baseline
▲ 0.50% · 4.625%
HK$78,405
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,816/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,370
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,445
−HK$2,105/mo
Today · 4.125%
HK$81,550
baseline
▲ 0.50% · 4.625%
HK$85,849
+HK$4,299/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,100/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,456
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,052
−HK$2,638/mo
Today · 4.125%
HK$88,690
baseline
▲ 0.50% · 4.625%
HK$94,086
+HK$5,396/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,380/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,844
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,334
−HK$2,527/mo
Today · 4.125%
HK$97,861
baseline
▲ 0.50% · 4.625%
HK$103,019
+HK$5,158/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,722/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,366
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,394
−HK$3,078/mo
Today · 4.125%
HK$103,472
baseline
▲ 0.50% · 4.625%
HK$109,768
+HK$6,296/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,944/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,319
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,224
−HK$2,947/mo
Today · 4.125%
HK$114,171
baseline
▲ 0.50% · 4.625%
HK$120,189
+HK$6,018/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,342/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,185
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,079
−HK$3,956/mo
Today · 4.125%
HK$133,035
baseline
▲ 0.50% · 4.625%
HK$141,130
+HK$8,095/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,070/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,267
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$143,002
−HK$3,789/mo
Today · 4.125%
HK$146,791
baseline
▲ 0.50% · 4.625%
HK$154,528
+HK$7,737/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,582/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,236 · Scale 2, in force from 26 Feb 2026)