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$69,114
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,264
−HK$2,184/mo
Today · 4.125%
HK$73,448
baseline
▲ 0.50% · 4.625%
HK$77,917
+HK$4,469/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,896/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,889
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,951
−HK$2,092/mo
Today · 4.125%
HK$81,043
baseline
▲ 0.50% · 4.625%
HK$85,314
+HK$4,271/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,086/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,937
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,517
−HK$2,621/mo
Today · 4.125%
HK$88,138
baseline
▲ 0.50% · 4.625%
HK$93,501
+HK$5,363/mo
Deposit HK$12.12M · loan HK$18.19M · min. income ≈ HK$176,276/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,266
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,741
−HK$2,510/mo
Today · 4.125%
HK$97,251
baseline
▲ 0.50% · 4.625%
HK$102,377
+HK$5,126/mo
Deposit HK$12.12M · loan HK$18.19M · min. income ≈ HK$194,502/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,759
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,769
−HK$3,058/mo
Today · 4.125%
HK$102,827
baseline
▲ 0.50% · 4.625%
HK$109,084
+HK$6,257/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$205,654/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,644
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,531
−HK$2,929/mo
Today · 4.125%
HK$113,460
baseline
▲ 0.50% · 4.625%
HK$119,440
+HK$5,980/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$226,920/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,405
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,275
−HK$3,931/mo
Today · 4.125%
HK$132,206
baseline
▲ 0.50% · 4.625%
HK$140,251
+HK$8,045/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,412/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,399
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,111
−HK$3,766/mo
Today · 4.125%
HK$145,877
baseline
▲ 0.50% · 4.625%
HK$153,566
+HK$7,689/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,754/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,163 · Scale 2, in force from 26 Feb 2026)