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$66,791
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,869
−HK$2,110/mo
Today · 4.125%
HK$70,979
baseline
▲ 0.50% · 4.625%
HK$75,298
+HK$4,319/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,958/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,304
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,297
−HK$2,022/mo
Today · 4.125%
HK$78,319
baseline
▲ 0.50% · 4.625%
HK$82,447
+HK$4,128/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,638/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,149
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,642
−HK$2,533/mo
Today · 4.125%
HK$85,175
baseline
▲ 0.50% · 4.625%
HK$90,358
+HK$5,183/mo
Deposit HK$11.72M · loan HK$17.57M · min. income ≈ HK$170,350/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,165
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,557
−HK$2,426/mo
Today · 4.125%
HK$93,983
baseline
▲ 0.50% · 4.625%
HK$98,937
+HK$4,954/mo
Deposit HK$11.72M · loan HK$17.57M · min. income ≈ HK$187,966/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,508
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,416
−HK$2,955/mo
Today · 4.125%
HK$99,371
baseline
▲ 0.50% · 4.625%
HK$105,418
+HK$6,047/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$198,742/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,026
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,816
−HK$2,830/mo
Today · 4.125%
HK$109,646
baseline
▲ 0.50% · 4.625%
HK$115,426
+HK$5,780/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$219,292/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,224
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$123,964
−HK$3,799/mo
Today · 4.125%
HK$127,763
baseline
▲ 0.50% · 4.625%
HK$135,537
+HK$7,774/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$255,526/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,748
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,335
−HK$3,639/mo
Today · 4.125%
HK$140,974
baseline
▲ 0.50% · 4.625%
HK$148,405
+HK$7,431/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$281,948/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,870 · Scale 2, in force from 26 Feb 2026)