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$66,599
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,671
−HK$2,104/mo
Today · 4.125%
HK$70,775
baseline
▲ 0.50% · 4.625%
HK$75,082
+HK$4,307/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,550/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,091
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,078
−HK$2,016/mo
Today · 4.125%
HK$78,094
baseline
▲ 0.50% · 4.625%
HK$82,210
+HK$4,116/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,188/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,919
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,405
−HK$2,525/mo
Today · 4.125%
HK$84,930
baseline
▲ 0.50% · 4.625%
HK$90,098
+HK$5,168/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,860/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,909
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,293
−HK$2,419/mo
Today · 4.125%
HK$93,712
baseline
▲ 0.50% · 4.625%
HK$98,652
+HK$4,940/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,424/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,239
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,139
−HK$2,946/mo
Today · 4.125%
HK$99,085
baseline
▲ 0.50% · 4.625%
HK$105,115
+HK$6,030/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,170/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,727
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,509
−HK$2,822/mo
Today · 4.125%
HK$109,331
baseline
▲ 0.50% · 4.625%
HK$115,094
+HK$5,763/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,662/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,878
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$123,607
−HK$3,789/mo
Today · 4.125%
HK$127,396
baseline
▲ 0.50% · 4.625%
HK$135,147
+HK$7,751/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$254,792/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,363
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$136,940
−HK$3,628/mo
Today · 4.125%
HK$140,568
baseline
▲ 0.50% · 4.625%
HK$147,978
+HK$7,410/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$281,136/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,289 · Scale 2, in force from 26 Feb 2026)