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$69,553
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,716
−HK$2,198/mo
Today · 4.125%
HK$73,914
baseline
▲ 0.50% · 4.625%
HK$78,412
+HK$4,498/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,828/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,377
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,452
−HK$2,105/mo
Today · 4.125%
HK$81,557
baseline
▲ 0.50% · 4.625%
HK$85,856
+HK$4,299/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,114/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,463
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,060
−HK$2,637/mo
Today · 4.125%
HK$88,697
baseline
▲ 0.50% · 4.625%
HK$94,094
+HK$5,397/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,394/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,852
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,342
−HK$2,527/mo
Today · 4.125%
HK$97,869
baseline
▲ 0.50% · 4.625%
HK$103,028
+HK$5,159/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,738/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,374
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,403
−HK$3,077/mo
Today · 4.125%
HK$103,480
baseline
▲ 0.50% · 4.625%
HK$109,777
+HK$6,297/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,960/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,328
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,233
−HK$2,947/mo
Today · 4.125%
HK$114,180
baseline
▲ 0.50% · 4.625%
HK$120,199
+HK$6,019/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,360/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,195
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$129,089
−HK$3,957/mo
Today · 4.125%
HK$133,046
baseline
▲ 0.50% · 4.625%
HK$141,142
+HK$8,096/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,092/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,278
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,014
−HK$3,789/mo
Today · 4.125%
HK$146,803
baseline
▲ 0.50% · 4.625%
HK$154,541
+HK$7,738/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,606/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,345 · Scale 2, in force from 26 Feb 2026)