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$68,447
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$70,576
−HK$2,164/mo
Today · 4.125%
HK$72,740
baseline
▲ 0.50% · 4.625%
HK$77,166
+HK$4,426/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$145,480/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,147
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$78,189
−HK$2,072/mo
Today · 4.125%
HK$80,261
baseline
▲ 0.50% · 4.625%
HK$84,492
+HK$4,231/mo
Deposit HK$15.01M · loan HK$15.01M · min. income ≈ HK$160,522/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$1,275,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,137
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,692
−HK$2,596/mo
Today · 4.125%
HK$87,288
baseline
▲ 0.50% · 4.625%
HK$92,599
+HK$5,311/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$174,576/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,376
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,827
−HK$2,486/mo
Today · 4.125%
HK$96,313
baseline
▲ 0.50% · 4.625%
HK$101,390
+HK$5,077/mo
Deposit HK$12.01M · loan HK$18.01M · min. income ≈ HK$192,626/mo (50% DSR)
Upfront cash ≈ HK$13.28M (deposit + AVD stamp duty HK$1,275,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,826
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,807
−HK$3,028/mo
Today · 4.125%
HK$101,835
baseline
▲ 0.50% · 4.625%
HK$108,032
+HK$6,197/mo
Deposit HK$9.01M · loan HK$21.01M · min. income ≈ HK$203,670/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,606
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$109,465
−HK$2,900/mo
Today · 4.125%
HK$112,365
baseline
▲ 0.50% · 4.625%
HK$118,288
+HK$5,923/mo
Deposit HK$9.01M · loan HK$21.01M · min. income ≈ HK$224,730/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$1,275,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,205
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$127,038
−HK$3,893/mo
Today · 4.125%
HK$130,931
baseline
▲ 0.50% · 4.625%
HK$138,898
+HK$7,967/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$261,862/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,065
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$140,741
−HK$3,729/mo
Today · 4.125%
HK$144,470
baseline
▲ 0.50% · 4.625%
HK$152,085
+HK$7,615/mo
Deposit HK$3.00M · loan HK$27.02M · min. income ≈ HK$288,940/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,275,740 · Scale 2, in force from 26 Feb 2026)