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$66,627
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,699
−HK$2,106/mo
Today · 4.125%
HK$70,805
baseline
▲ 0.50% · 4.625%
HK$75,113
+HK$4,308/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,610/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,122
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,109
−HK$2,017/mo
Today · 4.125%
HK$78,126
baseline
▲ 0.50% · 4.625%
HK$82,244
+HK$4,118/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,252/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,952
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,439
−HK$2,527/mo
Today · 4.125%
HK$84,966
baseline
▲ 0.50% · 4.625%
HK$90,136
+HK$5,170/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,932/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,946
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,331
−HK$2,420/mo
Today · 4.125%
HK$93,751
baseline
▲ 0.50% · 4.625%
HK$98,693
+HK$4,942/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,502/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,277
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,179
−HK$2,948/mo
Today · 4.125%
HK$99,127
baseline
▲ 0.50% · 4.625%
HK$105,158
+HK$6,031/mo
Deposit HK$8.77M · loan HK$20.45M · min. income ≈ HK$198,254/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,770
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,553
−HK$2,824/mo
Today · 4.125%
HK$109,377
baseline
▲ 0.50% · 4.625%
HK$115,142
+HK$5,765/mo
Deposit HK$8.77M · loan HK$20.45M · min. income ≈ HK$218,754/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,928
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$123,659
−HK$3,790/mo
Today · 4.125%
HK$127,449
baseline
▲ 0.50% · 4.625%
HK$135,204
+HK$7,755/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$254,898/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,419
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$136,997
−HK$3,630/mo
Today · 4.125%
HK$140,627
baseline
▲ 0.50% · 4.625%
HK$148,040
+HK$7,413/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$281,254/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,807 · Scale 2, in force from 26 Feb 2026)