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$68,533
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$70,664
−HK$2,166/mo
Today · 4.125%
HK$72,830
baseline
▲ 0.50% · 4.625%
HK$77,262
+HK$4,432/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,660/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,277,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,242
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,287
−HK$2,074/mo
Today · 4.125%
HK$80,361
baseline
▲ 0.50% · 4.625%
HK$84,597
+HK$4,236/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,722/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,277,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,239
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,797
−HK$2,599/mo
Today · 4.125%
HK$87,396
baseline
▲ 0.50% · 4.625%
HK$92,714
+HK$5,318/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,792/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,490
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,944
−HK$2,489/mo
Today · 4.125%
HK$96,433
baseline
▲ 0.50% · 4.625%
HK$101,516
+HK$5,083/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,866/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,946
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,930
−HK$3,032/mo
Today · 4.125%
HK$101,962
baseline
▲ 0.50% · 4.625%
HK$108,167
+HK$6,205/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,924/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,739
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,601
−HK$2,904/mo
Today · 4.125%
HK$112,505
baseline
▲ 0.50% · 4.625%
HK$118,436
+HK$5,931/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,010/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,359
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$127,196
−HK$3,898/mo
Today · 4.125%
HK$131,094
baseline
▲ 0.50% · 4.625%
HK$139,071
+HK$7,977/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$262,188/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,235
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$140,916
−HK$3,734/mo
Today · 4.125%
HK$144,650
baseline
▲ 0.50% · 4.625%
HK$152,274
+HK$7,624/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$289,300/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,329 · Scale 2, in force from 26 Feb 2026)