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$69,075
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,224
−HK$2,183/mo
Today · 4.125%
HK$73,407
baseline
▲ 0.50% · 4.625%
HK$77,873
+HK$4,466/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,814/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,845
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,906
−HK$2,091/mo
Today · 4.125%
HK$80,997
baseline
▲ 0.50% · 4.625%
HK$85,267
+HK$4,270/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$161,994/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,890
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,468
−HK$2,620/mo
Today · 4.125%
HK$88,088
baseline
▲ 0.50% · 4.625%
HK$93,448
+HK$5,360/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,176/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,214
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,688
−HK$2,508/mo
Today · 4.125%
HK$97,196
baseline
▲ 0.50% · 4.625%
HK$102,320
+HK$5,124/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,392/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,705
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,713
−HK$3,056/mo
Today · 4.125%
HK$102,769
baseline
▲ 0.50% · 4.625%
HK$109,023
+HK$6,254/mo
Deposit HK$9.09M · loan HK$21.20M · min. income ≈ HK$205,538/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,583
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,469
−HK$2,927/mo
Today · 4.125%
HK$113,396
baseline
▲ 0.50% · 4.625%
HK$119,373
+HK$5,977/mo
Deposit HK$9.09M · loan HK$21.20M · min. income ≈ HK$226,792/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,335
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$128,203
−HK$3,929/mo
Today · 4.125%
HK$132,132
baseline
▲ 0.50% · 4.625%
HK$140,172
+HK$8,040/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$264,264/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,322
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$142,031
−HK$3,764/mo
Today · 4.125%
HK$145,795
baseline
▲ 0.50% · 4.625%
HK$153,480
+HK$7,685/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$291,590/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,440 · Scale 2, in force from 26 Feb 2026)