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$69,083
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,232
−HK$2,183/mo
Today · 4.125%
HK$73,415
baseline
▲ 0.50% · 4.625%
HK$77,882
+HK$4,467/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,830/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,854
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,916
−HK$2,091/mo
Today · 4.125%
HK$81,007
baseline
▲ 0.50% · 4.625%
HK$85,276
+HK$4,269/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,014/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,900
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,478
−HK$2,620/mo
Today · 4.125%
HK$88,098
baseline
▲ 0.50% · 4.625%
HK$93,459
+HK$5,361/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,196/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,225
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,699
−HK$2,509/mo
Today · 4.125%
HK$97,208
baseline
▲ 0.50% · 4.625%
HK$102,332
+HK$5,124/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,416/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,716
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,725
−HK$3,056/mo
Today · 4.125%
HK$102,781
baseline
▲ 0.50% · 4.625%
HK$109,035
+HK$6,254/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,562/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,596
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,482
−HK$2,927/mo
Today · 4.125%
HK$113,409
baseline
▲ 0.50% · 4.625%
HK$119,387
+HK$5,978/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,818/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,350
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$128,218
−HK$3,930/mo
Today · 4.125%
HK$132,148
baseline
▲ 0.50% · 4.625%
HK$140,188
+HK$8,040/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$264,296/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,338
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$142,048
−HK$3,764/mo
Today · 4.125%
HK$145,812
baseline
▲ 0.50% · 4.625%
HK$153,498
+HK$7,686/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$291,624/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,590 · Scale 2, in force from 26 Feb 2026)