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$69,070
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,218
−HK$2,183/mo
Today · 4.125%
HK$73,401
baseline
▲ 0.50% · 4.625%
HK$77,867
+HK$4,466/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,802/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,839
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,900
−HK$2,091/mo
Today · 4.125%
HK$80,991
baseline
▲ 0.50% · 4.625%
HK$85,260
+HK$4,269/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$161,982/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,883
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,462
−HK$2,619/mo
Today · 4.125%
HK$88,081
baseline
▲ 0.50% · 4.625%
HK$93,440
+HK$5,359/mo
Deposit HK$12.12M · loan HK$18.17M · min. income ≈ HK$176,162/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,207
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,680
−HK$2,509/mo
Today · 4.125%
HK$97,189
baseline
▲ 0.50% · 4.625%
HK$102,312
+HK$5,123/mo
Deposit HK$12.12M · loan HK$18.17M · min. income ≈ HK$194,378/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,697
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,705
−HK$3,056/mo
Today · 4.125%
HK$102,761
baseline
▲ 0.50% · 4.625%
HK$109,014
+HK$6,253/mo
Deposit HK$9.09M · loan HK$21.20M · min. income ≈ HK$205,522/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,575
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,460
−HK$2,927/mo
Today · 4.125%
HK$113,387
baseline
▲ 0.50% · 4.625%
HK$119,364
+HK$5,977/mo
Deposit HK$9.09M · loan HK$21.20M · min. income ≈ HK$226,774/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,325
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$128,192
−HK$3,929/mo
Today · 4.125%
HK$132,121
baseline
▲ 0.50% · 4.625%
HK$140,161
+HK$8,040/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$264,242/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,310
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$142,020
−HK$3,763/mo
Today · 4.125%
HK$145,783
baseline
▲ 0.50% · 4.625%
HK$153,467
+HK$7,684/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$291,566/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,336 · Scale 2, in force from 26 Feb 2026)