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$66,763
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,839
−HK$2,110/mo
Today · 4.125%
HK$70,949
baseline
▲ 0.50% · 4.625%
HK$75,266
+HK$4,317/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,898/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,273
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,265
−HK$2,021/mo
Today · 4.125%
HK$78,286
baseline
▲ 0.50% · 4.625%
HK$82,412
+HK$4,126/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,572/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,115
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,607
−HK$2,532/mo
Today · 4.125%
HK$85,139
baseline
▲ 0.50% · 4.625%
HK$90,320
+HK$5,181/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$170,278/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,127
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,518
−HK$2,425/mo
Today · 4.125%
HK$93,943
baseline
▲ 0.50% · 4.625%
HK$98,895
+HK$4,952/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$187,886/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,468
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$96,375
−HK$2,954/mo
Today · 4.125%
HK$99,329
baseline
▲ 0.50% · 4.625%
HK$105,373
+HK$6,044/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$198,658/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,982
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,771
−HK$2,829/mo
Today · 4.125%
HK$109,600
baseline
▲ 0.50% · 4.625%
HK$115,377
+HK$5,777/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$219,200/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,173
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,911
−HK$3,798/mo
Today · 4.125%
HK$127,709
baseline
▲ 0.50% · 4.625%
HK$135,480
+HK$7,771/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$255,418/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,691
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,277
−HK$3,637/mo
Today · 4.125%
HK$140,914
baseline
▲ 0.50% · 4.625%
HK$148,342
+HK$7,428/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$281,828/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,340 · Scale 2, in force from 26 Feb 2026)