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$69,561
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,724
−HK$2,199/mo
Today · 4.125%
HK$73,923
baseline
▲ 0.50% · 4.625%
HK$78,421
+HK$4,498/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,846/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,385
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,461
−HK$2,105/mo
Today · 4.125%
HK$81,566
baseline
▲ 0.50% · 4.625%
HK$85,866
+HK$4,300/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,132/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,473
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,069
−HK$2,638/mo
Today · 4.125%
HK$88,707
baseline
▲ 0.50% · 4.625%
HK$94,105
+HK$5,398/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,414/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,863
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,353
−HK$2,527/mo
Today · 4.125%
HK$97,880
baseline
▲ 0.50% · 4.625%
HK$103,039
+HK$5,159/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,760/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,385
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,414
−HK$3,078/mo
Today · 4.125%
HK$103,492
baseline
▲ 0.50% · 4.625%
HK$109,789
+HK$6,297/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,984/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,340
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,245
−HK$2,948/mo
Today · 4.125%
HK$114,193
baseline
▲ 0.50% · 4.625%
HK$120,212
+HK$6,019/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,386/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,209
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$129,104
−HK$3,957/mo
Today · 4.125%
HK$133,061
baseline
▲ 0.50% · 4.625%
HK$141,157
+HK$8,096/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$266,122/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,294
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,030
−HK$3,789/mo
Today · 4.125%
HK$146,819
baseline
▲ 0.50% · 4.625%
HK$154,558
+HK$7,739/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$293,638/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,488 · Scale 2, in force from 26 Feb 2026)