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$68,472
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,602
−HK$2,164/mo
Today · 4.125%
HK$72,766
baseline
▲ 0.50% · 4.625%
HK$77,193
+HK$4,427/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,532/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,174
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,217
−HK$2,073/mo
Today · 4.125%
HK$80,290
baseline
▲ 0.50% · 4.625%
HK$84,522
+HK$4,232/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,580/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,166
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,722
−HK$2,597/mo
Today · 4.125%
HK$87,319
baseline
▲ 0.50% · 4.625%
HK$92,632
+HK$5,313/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$174,638/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,409
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,861
−HK$2,487/mo
Today · 4.125%
HK$96,348
baseline
▲ 0.50% · 4.625%
HK$101,426
+HK$5,078/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$192,696/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,861
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,843
−HK$3,029/mo
Today · 4.125%
HK$101,872
baseline
▲ 0.50% · 4.625%
HK$108,071
+HK$6,199/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,744/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,276,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,644
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,504
−HK$2,902/mo
Today · 4.125%
HK$112,406
baseline
▲ 0.50% · 4.625%
HK$118,331
+HK$5,925/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,812/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,276,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,250
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,083
−HK$3,895/mo
Today · 4.125%
HK$130,978
baseline
▲ 0.50% · 4.625%
HK$138,948
+HK$7,970/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$261,956/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,114
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,791
−HK$3,731/mo
Today · 4.125%
HK$144,522
baseline
▲ 0.50% · 4.625%
HK$152,140
+HK$7,618/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$289,044/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,199 · Scale 2, in force from 26 Feb 2026)