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$69,525
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,688
−HK$2,197/mo
Today · 4.125%
HK$73,885
baseline
▲ 0.50% · 4.625%
HK$78,381
+HK$4,496/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,770/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,346
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,421
−HK$2,104/mo
Today · 4.125%
HK$81,525
baseline
▲ 0.50% · 4.625%
HK$85,822
+HK$4,297/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,050/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,430
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,025
−HK$2,637/mo
Today · 4.125%
HK$88,662
baseline
▲ 0.50% · 4.625%
HK$94,057
+HK$5,395/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$177,324/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,815
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,305
−HK$2,525/mo
Today · 4.125%
HK$97,830
baseline
▲ 0.50% · 4.625%
HK$102,987
+HK$5,157/mo
Deposit HK$12.20M · loan HK$18.29M · min. income ≈ HK$195,660/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,335
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,363
−HK$3,076/mo
Today · 4.125%
HK$103,439
baseline
▲ 0.50% · 4.625%
HK$109,733
+HK$6,294/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,878/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,285
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$111,189
−HK$2,946/mo
Today · 4.125%
HK$114,135
baseline
▲ 0.50% · 4.625%
HK$120,151
+HK$6,016/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,270/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,145
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$129,038
−HK$3,955/mo
Today · 4.125%
HK$132,993
baseline
▲ 0.50% · 4.625%
HK$141,086
+HK$8,093/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,986/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,223
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,957
−HK$3,788/mo
Today · 4.125%
HK$146,745
baseline
▲ 0.50% · 4.625%
HK$154,480
+HK$7,735/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,490/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,830 · Scale 2, in force from 26 Feb 2026)