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$68,484
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,615
−HK$2,164/mo
Today · 4.125%
HK$72,779
baseline
▲ 0.50% · 4.625%
HK$77,207
+HK$4,428/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,558/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,188
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,231
−HK$2,073/mo
Today · 4.125%
HK$80,304
baseline
▲ 0.50% · 4.625%
HK$84,537
+HK$4,233/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,608/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,181
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,737
−HK$2,598/mo
Today · 4.125%
HK$87,335
baseline
▲ 0.50% · 4.625%
HK$92,649
+HK$5,314/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$174,670/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,426
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,878
−HK$2,487/mo
Today · 4.125%
HK$96,365
baseline
▲ 0.50% · 4.625%
HK$101,445
+HK$5,080/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$192,730/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,878
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,860
−HK$3,030/mo
Today · 4.125%
HK$101,890
baseline
▲ 0.50% · 4.625%
HK$108,090
+HK$6,200/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,780/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,663
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,524
−HK$2,902/mo
Today · 4.125%
HK$112,426
baseline
▲ 0.50% · 4.625%
HK$118,352
+HK$5,926/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,852/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,272
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$127,106
−HK$3,896/mo
Today · 4.125%
HK$131,002
baseline
▲ 0.50% · 4.625%
HK$138,973
+HK$7,971/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$262,004/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,139
−HK$7,409/mo
▼ 0.25% · 3.875%
HK$140,817
−HK$3,731/mo
Today · 4.125%
HK$144,548
baseline
▲ 0.50% · 4.625%
HK$152,167
+HK$7,619/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$289,096/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,429 · Scale 2, in force from 26 Feb 2026)