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$69,562
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,726
−HK$2,198/mo
Today · 4.125%
HK$73,924
baseline
▲ 0.50% · 4.625%
HK$78,422
+HK$4,498/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,848/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,387
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,463
−HK$2,105/mo
Today · 4.125%
HK$81,568
baseline
▲ 0.50% · 4.625%
HK$85,868
+HK$4,300/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,136/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,475
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,071
−HK$2,638/mo
Today · 4.125%
HK$88,709
baseline
▲ 0.50% · 4.625%
HK$94,107
+HK$5,398/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,418/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,865
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,355
−HK$2,527/mo
Today · 4.125%
HK$97,882
baseline
▲ 0.50% · 4.625%
HK$103,041
+HK$5,159/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,764/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,387
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,416
−HK$3,078/mo
Today · 4.125%
HK$103,494
baseline
▲ 0.50% · 4.625%
HK$109,791
+HK$6,297/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,988/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,342
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,248
−HK$2,947/mo
Today · 4.125%
HK$114,195
baseline
▲ 0.50% · 4.625%
HK$120,215
+HK$6,020/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,390/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,212
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$129,107
−HK$3,957/mo
Today · 4.125%
HK$133,064
baseline
▲ 0.50% · 4.625%
HK$141,160
+HK$8,096/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$266,128/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,297
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$143,033
−HK$3,790/mo
Today · 4.125%
HK$146,823
baseline
▲ 0.50% · 4.625%
HK$154,562
+HK$7,739/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$293,646/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,517 · Scale 2, in force from 26 Feb 2026)