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$69,109
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,259
−HK$2,184/mo
Today · 4.125%
HK$73,443
baseline
▲ 0.50% · 4.625%
HK$77,912
+HK$4,469/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,886/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,883
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,945
−HK$2,092/mo
Today · 4.125%
HK$81,037
baseline
▲ 0.50% · 4.625%
HK$85,309
+HK$4,272/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,074/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,931
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,511
−HK$2,621/mo
Today · 4.125%
HK$88,132
baseline
▲ 0.50% · 4.625%
HK$93,494
+HK$5,362/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,264/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,260
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,734
−HK$2,511/mo
Today · 4.125%
HK$97,245
baseline
▲ 0.50% · 4.625%
HK$102,370
+HK$5,125/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,490/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,753
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,763
−HK$3,057/mo
Today · 4.125%
HK$102,820
baseline
▲ 0.50% · 4.625%
HK$109,077
+HK$6,257/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$205,640/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,637
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,523
−HK$2,929/mo
Today · 4.125%
HK$113,452
baseline
▲ 0.50% · 4.625%
HK$119,432
+HK$5,980/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$226,904/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,397
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,266
−HK$3,931/mo
Today · 4.125%
HK$132,197
baseline
▲ 0.50% · 4.625%
HK$140,241
+HK$8,044/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,394/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,390
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$142,102
−HK$3,765/mo
Today · 4.125%
HK$145,867
baseline
▲ 0.50% · 4.625%
HK$153,556
+HK$7,689/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,734/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,077 · Scale 2, in force from 26 Feb 2026)