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$67,005
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,090
−HK$2,117/mo
Today · 4.125%
HK$71,207
baseline
▲ 0.50% · 4.625%
HK$75,540
+HK$4,333/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,414/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,543
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,542
−HK$2,028/mo
Today · 4.125%
HK$78,570
baseline
▲ 0.50% · 4.625%
HK$82,712
+HK$4,142/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,140/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,406
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,907
−HK$2,542/mo
Today · 4.125%
HK$85,449
baseline
▲ 0.50% · 4.625%
HK$90,648
+HK$5,199/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$170,898/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,451
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,850
−HK$2,434/mo
Today · 4.125%
HK$94,284
baseline
▲ 0.50% · 4.625%
HK$99,254
+HK$4,970/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$188,568/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,807
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,725
−HK$2,965/mo
Today · 4.125%
HK$99,690
baseline
▲ 0.50% · 4.625%
HK$105,756
+HK$6,066/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$199,380/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,360
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,159
−HK$2,839/mo
Today · 4.125%
HK$109,998
baseline
▲ 0.50% · 4.625%
HK$115,796
+HK$5,798/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$219,996/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,610
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$124,361
−HK$3,812/mo
Today · 4.125%
HK$128,173
baseline
▲ 0.50% · 4.625%
HK$135,972
+HK$7,799/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$256,346/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,177
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$137,775
−HK$3,651/mo
Today · 4.125%
HK$141,426
baseline
▲ 0.50% · 4.625%
HK$148,881
+HK$7,455/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$282,852/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,862 · Scale 2, in force from 26 Feb 2026)