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$68,501
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,632
−HK$2,165/mo
Today · 4.125%
HK$72,797
baseline
▲ 0.50% · 4.625%
HK$77,226
+HK$4,429/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,594/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,207
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,251
−HK$2,073/mo
Today · 4.125%
HK$80,324
baseline
▲ 0.50% · 4.625%
HK$84,558
+HK$4,234/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,648/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,201
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,758
−HK$2,598/mo
Today · 4.125%
HK$87,356
baseline
▲ 0.50% · 4.625%
HK$92,671
+HK$5,315/mo
Deposit HK$12.02M · loan HK$18.02M · min. income ≈ HK$174,712/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,448
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,901
−HK$2,488/mo
Today · 4.125%
HK$96,389
baseline
▲ 0.50% · 4.625%
HK$101,469
+HK$5,080/mo
Deposit HK$12.02M · loan HK$18.02M · min. income ≈ HK$192,778/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,901
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,885
−HK$3,030/mo
Today · 4.125%
HK$101,915
baseline
▲ 0.50% · 4.625%
HK$108,117
+HK$6,202/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,830/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,689
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$109,551
−HK$2,902/mo
Today · 4.125%
HK$112,453
baseline
▲ 0.50% · 4.625%
HK$118,381
+HK$5,928/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,906/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,302
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$127,137
−HK$3,897/mo
Today · 4.125%
HK$131,034
baseline
▲ 0.50% · 4.625%
HK$139,007
+HK$7,973/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$262,068/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,172
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$140,851
−HK$3,732/mo
Today · 4.125%
HK$144,583
baseline
▲ 0.50% · 4.625%
HK$152,204
+HK$7,621/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$289,166/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,740 · Scale 2, in force from 26 Feb 2026)