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$68,489
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,620
−HK$2,164/mo
Today · 4.125%
HK$72,784
baseline
▲ 0.50% · 4.625%
HK$77,213
+HK$4,429/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,568/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,193
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,237
−HK$2,073/mo
Today · 4.125%
HK$80,310
baseline
▲ 0.50% · 4.625%
HK$84,543
+HK$4,233/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,620/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,187
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$84,743
−HK$2,598/mo
Today · 4.125%
HK$87,341
baseline
▲ 0.50% · 4.625%
HK$92,655
+HK$5,314/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$174,682/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,432
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$93,884
−HK$2,488/mo
Today · 4.125%
HK$96,372
baseline
▲ 0.50% · 4.625%
HK$101,452
+HK$5,080/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$192,744/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,885
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,867
−HK$3,031/mo
Today · 4.125%
HK$101,898
baseline
▲ 0.50% · 4.625%
HK$108,098
+HK$6,200/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,796/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,671
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,532
−HK$2,902/mo
Today · 4.125%
HK$112,434
baseline
▲ 0.50% · 4.625%
HK$118,361
+HK$5,927/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,868/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,280
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$127,115
−HK$3,896/mo
Today · 4.125%
HK$131,011
baseline
▲ 0.50% · 4.625%
HK$138,983
+HK$7,972/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$262,022/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,148
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,827
−HK$3,731/mo
Today · 4.125%
HK$144,558
baseline
▲ 0.50% · 4.625%
HK$152,178
+HK$7,620/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$289,116/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,519 · Scale 2, in force from 26 Feb 2026)