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$69,534
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,697
−HK$2,197/mo
Today · 4.125%
HK$73,894
baseline
▲ 0.50% · 4.625%
HK$78,391
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,788/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,356
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,431
−HK$2,104/mo
Today · 4.125%
HK$81,535
baseline
▲ 0.50% · 4.625%
HK$85,833
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,070/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,441
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,036
−HK$2,637/mo
Today · 4.125%
HK$88,673
baseline
▲ 0.50% · 4.625%
HK$94,069
+HK$5,396/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,346/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,827
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,317
−HK$2,525/mo
Today · 4.125%
HK$97,842
baseline
▲ 0.50% · 4.625%
HK$103,000
+HK$5,158/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,684/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,348
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,376
−HK$3,076/mo
Today · 4.125%
HK$103,452
baseline
▲ 0.50% · 4.625%
HK$109,747
+HK$6,295/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,904/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,298
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,203
−HK$2,946/mo
Today · 4.125%
HK$114,149
baseline
▲ 0.50% · 4.625%
HK$120,166
+HK$6,017/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,298/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,161
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$129,054
−HK$3,956/mo
Today · 4.125%
HK$133,010
baseline
▲ 0.50% · 4.625%
HK$141,103
+HK$8,093/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$266,020/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,295,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,241
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,975
−HK$3,788/mo
Today · 4.125%
HK$146,763
baseline
▲ 0.50% · 4.625%
HK$154,499
+HK$7,736/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,526/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,295,993 · Scale 2, in force from 26 Feb 2026)