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$68,439
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$70,568
−HK$2,163/mo
Today · 4.125%
HK$72,731
baseline
▲ 0.50% · 4.625%
HK$77,157
+HK$4,426/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,462/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,138
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,180
−HK$2,072/mo
Today · 4.125%
HK$80,252
baseline
▲ 0.50% · 4.625%
HK$84,482
+HK$4,230/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,504/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,127
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,682
−HK$2,595/mo
Today · 4.125%
HK$87,277
baseline
▲ 0.50% · 4.625%
HK$92,588
+HK$5,311/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$174,554/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,366
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,816
−HK$2,486/mo
Today · 4.125%
HK$96,302
baseline
▲ 0.50% · 4.625%
HK$101,378
+HK$5,076/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$192,604/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,815
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,796
−HK$3,028/mo
Today · 4.125%
HK$101,824
baseline
▲ 0.50% · 4.625%
HK$108,019
+HK$6,195/mo
Deposit HK$9.00M · loan HK$21.01M · min. income ≈ HK$203,648/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,593
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$109,452
−HK$2,900/mo
Today · 4.125%
HK$112,352
baseline
▲ 0.50% · 4.625%
HK$118,275
+HK$5,923/mo
Deposit HK$9.00M · loan HK$21.01M · min. income ≈ HK$224,704/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,191
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$127,023
−HK$3,893/mo
Today · 4.125%
HK$130,916
baseline
▲ 0.50% · 4.625%
HK$138,882
+HK$7,966/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$261,832/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,049
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$140,724
−HK$3,729/mo
Today · 4.125%
HK$144,453
baseline
▲ 0.50% · 4.625%
HK$152,067
+HK$7,614/mo
Deposit HK$3.00M · loan HK$27.01M · min. income ≈ HK$288,906/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,592 · Scale 2, in force from 26 Feb 2026)