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$69,093
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,242
−HK$2,183/mo
Today · 4.125%
HK$73,425
baseline
▲ 0.50% · 4.625%
HK$77,893
+HK$4,468/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,850/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,865
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,926
−HK$2,092/mo
Today · 4.125%
HK$81,018
baseline
▲ 0.50% · 4.625%
HK$85,288
+HK$4,270/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,036/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,911
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,490
−HK$2,620/mo
Today · 4.125%
HK$88,110
baseline
▲ 0.50% · 4.625%
HK$93,472
+HK$5,362/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,220/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,238
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,712
−HK$2,509/mo
Today · 4.125%
HK$97,221
baseline
▲ 0.50% · 4.625%
HK$102,346
+HK$5,125/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,442/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,730
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,738
−HK$3,057/mo
Today · 4.125%
HK$102,795
baseline
▲ 0.50% · 4.625%
HK$109,050
+HK$6,255/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,590/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,611
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,497
−HK$2,928/mo
Today · 4.125%
HK$113,425
baseline
▲ 0.50% · 4.625%
HK$119,403
+HK$5,978/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,850/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,367
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$128,235
−HK$3,931/mo
Today · 4.125%
HK$132,166
baseline
▲ 0.50% · 4.625%
HK$140,207
+HK$8,041/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$264,332/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,357
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$142,067
−HK$3,765/mo
Today · 4.125%
HK$145,832
baseline
▲ 0.50% · 4.625%
HK$153,519
+HK$7,687/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$291,664/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,766 · Scale 2, in force from 26 Feb 2026)