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$68,488
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,618
−HK$2,165/mo
Today · 4.125%
HK$72,783
baseline
▲ 0.50% · 4.625%
HK$77,212
+HK$4,429/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,566/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,192
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,236
−HK$2,073/mo
Today · 4.125%
HK$80,309
baseline
▲ 0.50% · 4.625%
HK$84,542
+HK$4,233/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,618/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,186
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,742
−HK$2,597/mo
Today · 4.125%
HK$87,339
baseline
▲ 0.50% · 4.625%
HK$92,654
+HK$5,315/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$174,678/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,431
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,883
−HK$2,488/mo
Today · 4.125%
HK$96,371
baseline
▲ 0.50% · 4.625%
HK$101,450
+HK$5,079/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$192,742/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,883
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,866
−HK$3,030/mo
Today · 4.125%
HK$101,896
baseline
▲ 0.50% · 4.625%
HK$108,096
+HK$6,200/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,792/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,669
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,530
−HK$2,902/mo
Today · 4.125%
HK$112,432
baseline
▲ 0.50% · 4.625%
HK$118,359
+HK$5,927/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,864/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,279
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$127,113
−HK$3,896/mo
Today · 4.125%
HK$131,009
baseline
▲ 0.50% · 4.625%
HK$138,981
+HK$7,972/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$262,018/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,146
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,824
−HK$3,732/mo
Today · 4.125%
HK$144,556
baseline
▲ 0.50% · 4.625%
HK$152,176
+HK$7,620/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$289,112/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,499 · Scale 2, in force from 26 Feb 2026)