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$69,092
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,241
−HK$2,183/mo
Today · 4.125%
HK$73,424
baseline
▲ 0.50% · 4.625%
HK$77,892
+HK$4,468/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,848/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,864
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,925
−HK$2,091/mo
Today · 4.125%
HK$81,016
baseline
▲ 0.50% · 4.625%
HK$85,287
+HK$4,271/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,032/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,910
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,489
−HK$2,620/mo
Today · 4.125%
HK$88,109
baseline
▲ 0.50% · 4.625%
HK$93,470
+HK$5,361/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,218/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,236
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,710
−HK$2,510/mo
Today · 4.125%
HK$97,220
baseline
▲ 0.50% · 4.625%
HK$102,344
+HK$5,124/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,440/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,728
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,737
−HK$3,057/mo
Today · 4.125%
HK$102,794
baseline
▲ 0.50% · 4.625%
HK$109,049
+HK$6,255/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,588/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,609
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,495
−HK$2,928/mo
Today · 4.125%
HK$113,423
baseline
▲ 0.50% · 4.625%
HK$119,402
+HK$5,979/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,846/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,365
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$128,233
−HK$3,931/mo
Today · 4.125%
HK$132,164
baseline
▲ 0.50% · 4.625%
HK$140,206
+HK$8,042/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$264,328/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,355
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$142,065
−HK$3,765/mo
Today · 4.125%
HK$145,830
baseline
▲ 0.50% · 4.625%
HK$153,516
+HK$7,686/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$291,660/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,747 · Scale 2, in force from 26 Feb 2026)