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$68,486
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,616
−HK$2,165/mo
Today · 4.125%
HK$72,781
baseline
▲ 0.50% · 4.625%
HK$77,209
+HK$4,428/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,562/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,190
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,233
−HK$2,073/mo
Today · 4.125%
HK$80,306
baseline
▲ 0.50% · 4.625%
HK$84,539
+HK$4,233/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,612/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,183
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,740
−HK$2,597/mo
Today · 4.125%
HK$87,337
baseline
▲ 0.50% · 4.625%
HK$92,651
+HK$5,314/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$174,674/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,428
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,880
−HK$2,488/mo
Today · 4.125%
HK$96,368
baseline
▲ 0.50% · 4.625%
HK$101,447
+HK$5,079/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$192,736/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,881
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,863
−HK$3,030/mo
Today · 4.125%
HK$101,893
baseline
▲ 0.50% · 4.625%
HK$108,093
+HK$6,200/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,786/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,666
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,527
−HK$2,902/mo
Today · 4.125%
HK$112,429
baseline
▲ 0.50% · 4.625%
HK$118,355
+HK$5,926/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,858/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,275
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$127,110
−HK$3,895/mo
Today · 4.125%
HK$131,005
baseline
▲ 0.50% · 4.625%
HK$138,977
+HK$7,972/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$262,010/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,142
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,820
−HK$3,732/mo
Today · 4.125%
HK$144,552
baseline
▲ 0.50% · 4.625%
HK$152,171
+HK$7,619/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$289,104/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,462 · Scale 2, in force from 26 Feb 2026)