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$68,520
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,651
−HK$2,166/mo
Today · 4.125%
HK$72,817
baseline
▲ 0.50% · 4.625%
HK$77,247
+HK$4,430/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,634/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,277,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,228
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,272
−HK$2,074/mo
Today · 4.125%
HK$80,346
baseline
▲ 0.50% · 4.625%
HK$84,581
+HK$4,235/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,692/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,277,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,224
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,781
−HK$2,599/mo
Today · 4.125%
HK$87,380
baseline
▲ 0.50% · 4.625%
HK$92,697
+HK$5,317/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,760/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,473
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,926
−HK$2,489/mo
Today · 4.125%
HK$96,415
baseline
▲ 0.50% · 4.625%
HK$101,497
+HK$5,082/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,830/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,928
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,912
−HK$3,031/mo
Today · 4.125%
HK$101,943
baseline
▲ 0.50% · 4.625%
HK$108,146
+HK$6,203/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,886/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,719
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,581
−HK$2,903/mo
Today · 4.125%
HK$112,484
baseline
▲ 0.50% · 4.625%
HK$118,414
+HK$5,930/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,968/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,336
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,172
−HK$3,898/mo
Today · 4.125%
HK$131,070
baseline
▲ 0.50% · 4.625%
HK$139,045
+HK$7,975/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$262,140/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,210
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,890
−HK$3,733/mo
Today · 4.125%
HK$144,623
baseline
▲ 0.50% · 4.625%
HK$152,246
+HK$7,623/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$289,246/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,091 · Scale 2, in force from 26 Feb 2026)