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$68,435
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$70,563
−HK$2,163/mo
Today · 4.125%
HK$72,726
baseline
▲ 0.50% · 4.625%
HK$77,151
+HK$4,425/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,452/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,133
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$78,175
−HK$2,071/mo
Today · 4.125%
HK$80,246
baseline
▲ 0.50% · 4.625%
HK$84,476
+HK$4,230/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,492/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,122
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,676
−HK$2,595/mo
Today · 4.125%
HK$87,271
baseline
▲ 0.50% · 4.625%
HK$92,581
+HK$5,310/mo
Deposit HK$12.00M · loan HK$18.01M · min. income ≈ HK$174,542/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,359
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,810
−HK$2,485/mo
Today · 4.125%
HK$96,295
baseline
▲ 0.50% · 4.625%
HK$101,371
+HK$5,076/mo
Deposit HK$12.00M · loan HK$18.01M · min. income ≈ HK$192,590/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,808
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,789
−HK$3,027/mo
Today · 4.125%
HK$101,816
baseline
▲ 0.50% · 4.625%
HK$108,012
+HK$6,196/mo
Deposit HK$9.00M · loan HK$21.01M · min. income ≈ HK$203,632/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,586
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,444
−HK$2,900/mo
Today · 4.125%
HK$112,344
baseline
▲ 0.50% · 4.625%
HK$118,266
+HK$5,922/mo
Deposit HK$9.00M · loan HK$21.01M · min. income ≈ HK$224,688/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,182
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$127,014
−HK$3,893/mo
Today · 4.125%
HK$130,907
baseline
▲ 0.50% · 4.625%
HK$138,872
+HK$7,965/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$261,814/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,039
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$140,714
−HK$3,729/mo
Today · 4.125%
HK$144,443
baseline
▲ 0.50% · 4.625%
HK$152,057
+HK$7,614/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$288,886/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,502 · Scale 2, in force from 26 Feb 2026)