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$68,476
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$70,606
−HK$2,164/mo
Today · 4.125%
HK$72,770
baseline
▲ 0.50% · 4.625%
HK$77,198
+HK$4,428/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,540/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,179
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,222
−HK$2,073/mo
Today · 4.125%
HK$80,295
baseline
▲ 0.50% · 4.625%
HK$84,528
+HK$4,233/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,590/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,172
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,728
−HK$2,597/mo
Today · 4.125%
HK$87,325
baseline
▲ 0.50% · 4.625%
HK$92,638
+HK$5,313/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$174,650/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,415
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,867
−HK$2,487/mo
Today · 4.125%
HK$96,354
baseline
▲ 0.50% · 4.625%
HK$101,433
+HK$5,079/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$192,708/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,867
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,849
−HK$3,030/mo
Today · 4.125%
HK$101,879
baseline
▲ 0.50% · 4.625%
HK$108,078
+HK$6,199/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,758/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,651
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,511
−HK$2,902/mo
Today · 4.125%
HK$112,413
baseline
▲ 0.50% · 4.625%
HK$118,339
+HK$5,926/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,826/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,258
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$127,092
−HK$3,895/mo
Today · 4.125%
HK$130,987
baseline
▲ 0.50% · 4.625%
HK$138,957
+HK$7,970/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$261,974/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,123
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,800
−HK$3,731/mo
Today · 4.125%
HK$144,531
baseline
▲ 0.50% · 4.625%
HK$152,150
+HK$7,619/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$289,062/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,281 · Scale 2, in force from 26 Feb 2026)