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$69,098
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,248
−HK$2,184/mo
Today · 4.125%
HK$73,432
baseline
▲ 0.50% · 4.625%
HK$77,900
+HK$4,468/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,864/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,871
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,933
−HK$2,091/mo
Today · 4.125%
HK$81,024
baseline
▲ 0.50% · 4.625%
HK$85,295
+HK$4,271/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,048/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,918
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,497
−HK$2,621/mo
Today · 4.125%
HK$88,118
baseline
▲ 0.50% · 4.625%
HK$93,480
+HK$5,362/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,236/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,246
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,720
−HK$2,509/mo
Today · 4.125%
HK$97,229
baseline
▲ 0.50% · 4.625%
HK$102,354
+HK$5,125/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,458/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,738
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,747
−HK$3,057/mo
Today · 4.125%
HK$102,804
baseline
▲ 0.50% · 4.625%
HK$109,060
+HK$6,256/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,608/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,620
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,506
−HK$2,928/mo
Today · 4.125%
HK$113,434
baseline
▲ 0.50% · 4.625%
HK$119,414
+HK$5,980/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,868/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,377
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,246
−HK$3,931/mo
Today · 4.125%
HK$132,177
baseline
▲ 0.50% · 4.625%
HK$140,219
+HK$8,042/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$264,354/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,368
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,079
−HK$3,765/mo
Today · 4.125%
HK$145,844
baseline
▲ 0.50% · 4.625%
HK$153,532
+HK$7,688/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$291,688/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,875 · Scale 2, in force from 26 Feb 2026)