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$68,459
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,588
−HK$2,164/mo
Today · 4.125%
HK$72,752
baseline
▲ 0.50% · 4.625%
HK$77,178
+HK$4,426/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,504/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,275,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,159
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,202
−HK$2,072/mo
Today · 4.125%
HK$80,274
baseline
▲ 0.50% · 4.625%
HK$84,505
+HK$4,231/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,548/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,275,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,150
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,706
−HK$2,596/mo
Today · 4.125%
HK$87,302
baseline
▲ 0.50% · 4.625%
HK$92,614
+HK$5,312/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$174,604/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,391
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,842
−HK$2,487/mo
Today · 4.125%
HK$96,329
baseline
▲ 0.50% · 4.625%
HK$101,407
+HK$5,078/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$192,658/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,842
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,823
−HK$3,029/mo
Today · 4.125%
HK$101,852
baseline
▲ 0.50% · 4.625%
HK$108,050
+HK$6,198/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,704/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,623
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,483
−HK$2,901/mo
Today · 4.125%
HK$112,384
baseline
▲ 0.50% · 4.625%
HK$118,308
+HK$5,924/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,768/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,225
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,058
−HK$3,895/mo
Today · 4.125%
HK$130,953
baseline
▲ 0.50% · 4.625%
HK$138,921
+HK$7,968/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$261,906/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,087
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$140,764
−HK$3,729/mo
Today · 4.125%
HK$144,493
baseline
▲ 0.50% · 4.625%
HK$152,110
+HK$7,617/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$288,986/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,948 · Scale 2, in force from 26 Feb 2026)