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$69,105
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,254
−HK$2,184/mo
Today · 4.125%
HK$73,438
baseline
▲ 0.50% · 4.625%
HK$77,907
+HK$4,469/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,876/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,878
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,940
−HK$2,092/mo
Today · 4.125%
HK$81,032
baseline
▲ 0.50% · 4.625%
HK$85,303
+HK$4,271/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,064/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,925
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,505
−HK$2,621/mo
Today · 4.125%
HK$88,126
baseline
▲ 0.50% · 4.625%
HK$93,488
+HK$5,362/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,252/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,254
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,728
−HK$2,510/mo
Today · 4.125%
HK$97,238
baseline
▲ 0.50% · 4.625%
HK$102,363
+HK$5,125/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,476/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,746
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,756
−HK$3,057/mo
Today · 4.125%
HK$102,813
baseline
▲ 0.50% · 4.625%
HK$109,069
+HK$6,256/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,626/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,629
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,516
−HK$2,928/mo
Today · 4.125%
HK$113,444
baseline
▲ 0.50% · 4.625%
HK$119,424
+HK$5,980/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,888/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,388
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,257
−HK$3,931/mo
Today · 4.125%
HK$132,188
baseline
▲ 0.50% · 4.625%
HK$140,232
+HK$8,044/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,376/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,381
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,092
−HK$3,765/mo
Today · 4.125%
HK$145,857
baseline
▲ 0.50% · 4.625%
HK$153,545
+HK$7,688/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,714/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,989 · Scale 2, in force from 26 Feb 2026)