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$68,438
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,567
−HK$2,162/mo
Today · 4.125%
HK$72,729
baseline
▲ 0.50% · 4.625%
HK$77,155
+HK$4,426/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,458/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,136
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,178
−HK$2,072/mo
Today · 4.125%
HK$80,250
baseline
▲ 0.50% · 4.625%
HK$84,480
+HK$4,230/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,500/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,125
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,680
−HK$2,595/mo
Today · 4.125%
HK$87,275
baseline
▲ 0.50% · 4.625%
HK$92,586
+HK$5,311/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$174,550/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,364
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,814
−HK$2,486/mo
Today · 4.125%
HK$96,300
baseline
▲ 0.50% · 4.625%
HK$101,376
+HK$5,076/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$192,600/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,813
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,793
−HK$3,028/mo
Today · 4.125%
HK$101,821
baseline
▲ 0.50% · 4.625%
HK$108,017
+HK$6,196/mo
Deposit HK$9.00M · loan HK$21.01M · min. income ≈ HK$203,642/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,591
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$109,450
−HK$2,900/mo
Today · 4.125%
HK$112,350
baseline
▲ 0.50% · 4.625%
HK$118,272
+HK$5,922/mo
Deposit HK$9.00M · loan HK$21.01M · min. income ≈ HK$224,700/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,188
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$127,020
−HK$3,893/mo
Today · 4.125%
HK$130,913
baseline
▲ 0.50% · 4.625%
HK$138,879
+HK$7,966/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$261,826/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,045
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$140,721
−HK$3,729/mo
Today · 4.125%
HK$144,450
baseline
▲ 0.50% · 4.625%
HK$152,064
+HK$7,614/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$288,900/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,562 · Scale 2, in force from 26 Feb 2026)