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$69,083
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,232
−HK$2,183/mo
Today · 4.125%
HK$73,415
baseline
▲ 0.50% · 4.625%
HK$77,882
+HK$4,467/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,830/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,854
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,915
−HK$2,091/mo
Today · 4.125%
HK$81,006
baseline
▲ 0.50% · 4.625%
HK$85,276
+HK$4,270/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,012/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,899
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,478
−HK$2,620/mo
Today · 4.125%
HK$88,098
baseline
▲ 0.50% · 4.625%
HK$93,458
+HK$5,360/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,196/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,225
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,698
−HK$2,509/mo
Today · 4.125%
HK$97,207
baseline
▲ 0.50% · 4.625%
HK$102,331
+HK$5,124/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,414/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,716
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,724
−HK$3,057/mo
Today · 4.125%
HK$102,781
baseline
▲ 0.50% · 4.625%
HK$109,035
+HK$6,254/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,562/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,596
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,481
−HK$2,928/mo
Today · 4.125%
HK$113,409
baseline
▲ 0.50% · 4.625%
HK$119,387
+HK$5,978/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,818/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,349
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$128,217
−HK$3,930/mo
Today · 4.125%
HK$132,147
baseline
▲ 0.50% · 4.625%
HK$140,188
+HK$8,041/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$264,294/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,337
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$142,047
−HK$3,764/mo
Today · 4.125%
HK$145,811
baseline
▲ 0.50% · 4.625%
HK$153,497
+HK$7,686/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$291,622/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,584 · Scale 2, in force from 26 Feb 2026)