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$66,639
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,711
−HK$2,106/mo
Today · 4.125%
HK$70,817
baseline
▲ 0.50% · 4.625%
HK$75,126
+HK$4,309/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,634/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,242,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,135
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,123
−HK$2,017/mo
Today · 4.125%
HK$78,140
baseline
▲ 0.50% · 4.625%
HK$82,259
+HK$4,119/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,280/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,242,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,966
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,454
−HK$2,527/mo
Today · 4.125%
HK$84,981
baseline
▲ 0.50% · 4.625%
HK$90,152
+HK$5,171/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,962/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,962
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,348
−HK$2,420/mo
Today · 4.125%
HK$93,768
baseline
▲ 0.50% · 4.625%
HK$98,711
+HK$4,943/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,536/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,294
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,196
−HK$2,948/mo
Today · 4.125%
HK$99,144
baseline
▲ 0.50% · 4.625%
HK$105,177
+HK$6,033/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,288/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,789
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,572
−HK$2,824/mo
Today · 4.125%
HK$109,396
baseline
▲ 0.50% · 4.625%
HK$115,162
+HK$5,766/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,792/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,949
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$123,681
−HK$3,790/mo
Today · 4.125%
HK$127,471
baseline
▲ 0.50% · 4.625%
HK$135,228
+HK$7,757/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$254,942/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,242,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,443
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$137,021
−HK$3,631/mo
Today · 4.125%
HK$140,652
baseline
▲ 0.50% · 4.625%
HK$148,066
+HK$7,414/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$281,304/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,242,027 · Scale 2, in force from 26 Feb 2026)