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$69,548
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,711
−HK$2,198/mo
Today · 4.125%
HK$73,909
baseline
▲ 0.50% · 4.625%
HK$78,406
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,818/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,371
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,446
−HK$2,105/mo
Today · 4.125%
HK$81,551
baseline
▲ 0.50% · 4.625%
HK$85,850
+HK$4,299/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,102/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,457
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,053
−HK$2,638/mo
Today · 4.125%
HK$88,691
baseline
▲ 0.50% · 4.625%
HK$94,087
+HK$5,396/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,382/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,845
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,335
−HK$2,526/mo
Today · 4.125%
HK$97,861
baseline
▲ 0.50% · 4.625%
HK$103,020
+HK$5,159/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,722/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,367
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,395
−HK$3,077/mo
Today · 4.125%
HK$103,472
baseline
▲ 0.50% · 4.625%
HK$109,768
+HK$6,296/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,944/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,319
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,225
−HK$2,947/mo
Today · 4.125%
HK$114,172
baseline
▲ 0.50% · 4.625%
HK$120,190
+HK$6,018/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,344/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,186
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,080
−HK$3,956/mo
Today · 4.125%
HK$133,036
baseline
▲ 0.50% · 4.625%
HK$141,131
+HK$8,095/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,072/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,268
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$143,003
−HK$3,789/mo
Today · 4.125%
HK$146,792
baseline
▲ 0.50% · 4.625%
HK$154,530
+HK$7,738/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,584/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,247 · Scale 2, in force from 26 Feb 2026)