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$68,462
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,592
−HK$2,163/mo
Today · 4.125%
HK$72,755
baseline
▲ 0.50% · 4.625%
HK$77,182
+HK$4,427/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,510/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,163
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,206
−HK$2,072/mo
Today · 4.125%
HK$80,278
baseline
▲ 0.50% · 4.625%
HK$84,510
+HK$4,232/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,556/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,155
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,710
−HK$2,596/mo
Today · 4.125%
HK$87,306
baseline
▲ 0.50% · 4.625%
HK$92,619
+HK$5,313/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$174,612/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,396
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,847
−HK$2,487/mo
Today · 4.125%
HK$96,334
baseline
▲ 0.50% · 4.625%
HK$101,412
+HK$5,078/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$192,668/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,847
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,828
−HK$3,029/mo
Today · 4.125%
HK$101,857
baseline
▲ 0.50% · 4.625%
HK$108,055
+HK$6,198/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,714/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,276,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,629
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,489
−HK$2,901/mo
Today · 4.125%
HK$112,390
baseline
▲ 0.50% · 4.625%
HK$118,314
+HK$5,924/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,780/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,276,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,232
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,065
−HK$3,895/mo
Today · 4.125%
HK$130,960
baseline
▲ 0.50% · 4.625%
HK$138,928
+HK$7,968/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$261,920/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,094
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$140,771
−HK$3,730/mo
Today · 4.125%
HK$144,501
baseline
▲ 0.50% · 4.625%
HK$152,118
+HK$7,617/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$289,002/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,016 · Scale 2, in force from 26 Feb 2026)