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$69,551
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,715
−HK$2,198/mo
Today · 4.125%
HK$73,913
baseline
▲ 0.50% · 4.625%
HK$78,410
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,826/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,375
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,450
−HK$2,105/mo
Today · 4.125%
HK$81,555
baseline
▲ 0.50% · 4.625%
HK$85,854
+HK$4,299/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,110/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,462
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,058
−HK$2,637/mo
Today · 4.125%
HK$88,695
baseline
▲ 0.50% · 4.625%
HK$94,092
+HK$5,397/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,390/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,850
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,340
−HK$2,527/mo
Today · 4.125%
HK$97,867
baseline
▲ 0.50% · 4.625%
HK$103,025
+HK$5,158/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,734/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,372
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,401
−HK$3,077/mo
Today · 4.125%
HK$103,478
baseline
▲ 0.50% · 4.625%
HK$109,774
+HK$6,296/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,956/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,325
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,230
−HK$2,948/mo
Today · 4.125%
HK$114,178
baseline
▲ 0.50% · 4.625%
HK$120,196
+HK$6,018/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,356/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,192
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$129,086
−HK$3,957/mo
Today · 4.125%
HK$133,043
baseline
▲ 0.50% · 4.625%
HK$141,138
+HK$8,095/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,086/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,275
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,010
−HK$3,790/mo
Today · 4.125%
HK$146,800
baseline
▲ 0.50% · 4.625%
HK$154,538
+HK$7,738/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,600/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,315 · Scale 2, in force from 26 Feb 2026)