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$66,768
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,845
−HK$2,110/mo
Today · 4.125%
HK$70,955
baseline
▲ 0.50% · 4.625%
HK$75,273
+HK$4,318/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,910/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,279
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,271
−HK$2,021/mo
Today · 4.125%
HK$78,292
baseline
▲ 0.50% · 4.625%
HK$82,419
+HK$4,127/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,584/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,122
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,614
−HK$2,532/mo
Today · 4.125%
HK$85,146
baseline
▲ 0.50% · 4.625%
HK$90,327
+HK$5,181/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$170,292/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,135
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,526
−HK$2,425/mo
Today · 4.125%
HK$93,951
baseline
▲ 0.50% · 4.625%
HK$98,903
+HK$4,952/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$187,902/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,476
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$96,383
−HK$2,954/mo
Today · 4.125%
HK$99,337
baseline
▲ 0.50% · 4.625%
HK$105,382
+HK$6,045/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$198,674/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,991
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,780
−HK$2,829/mo
Today · 4.125%
HK$109,609
baseline
▲ 0.50% · 4.625%
HK$115,387
+HK$5,778/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$219,218/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,183
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$123,921
−HK$3,799/mo
Today · 4.125%
HK$127,720
baseline
▲ 0.50% · 4.625%
HK$135,491
+HK$7,771/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$255,440/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,702
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,288
−HK$3,638/mo
Today · 4.125%
HK$140,926
baseline
▲ 0.50% · 4.625%
HK$148,354
+HK$7,428/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$281,852/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,446 · Scale 2, in force from 26 Feb 2026)