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$66,644
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,717
−HK$2,107/mo
Today · 4.125%
HK$70,824
baseline
▲ 0.50% · 4.625%
HK$75,133
+HK$4,309/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,648/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,141
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,130
−HK$2,017/mo
Today · 4.125%
HK$78,147
baseline
▲ 0.50% · 4.625%
HK$82,266
+HK$4,119/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,294/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,973
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,461
−HK$2,527/mo
Today · 4.125%
HK$84,988
baseline
▲ 0.50% · 4.625%
HK$90,160
+HK$5,172/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$169,976/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,969
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,355
−HK$2,421/mo
Today · 4.125%
HK$93,776
baseline
▲ 0.50% · 4.625%
HK$98,719
+HK$4,943/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$187,552/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,302
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$96,204
−HK$2,949/mo
Today · 4.125%
HK$99,153
baseline
▲ 0.50% · 4.625%
HK$105,186
+HK$6,033/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,306/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,798
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,581
−HK$2,824/mo
Today · 4.125%
HK$109,405
baseline
▲ 0.50% · 4.625%
HK$115,172
+HK$5,767/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,810/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,960
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$123,691
−HK$3,791/mo
Today · 4.125%
HK$127,482
baseline
▲ 0.50% · 4.625%
HK$135,239
+HK$7,757/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$254,964/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,242,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,454
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$137,033
−HK$3,631/mo
Today · 4.125%
HK$140,664
baseline
▲ 0.50% · 4.625%
HK$148,079
+HK$7,415/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$281,328/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,242,134 · Scale 2, in force from 26 Feb 2026)