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$66,560
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,631
−HK$2,103/mo
Today · 4.125%
HK$70,734
baseline
▲ 0.50% · 4.625%
HK$75,038
+HK$4,304/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,468/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,048
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,034
−HK$2,014/mo
Today · 4.125%
HK$78,048
baseline
▲ 0.50% · 4.625%
HK$82,162
+HK$4,114/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,096/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,872
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,357
−HK$2,524/mo
Today · 4.125%
HK$84,881
baseline
▲ 0.50% · 4.625%
HK$90,046
+HK$5,165/mo
Deposit HK$11.68M · loan HK$17.51M · min. income ≈ HK$169,762/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,857
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,240
−HK$2,418/mo
Today · 4.125%
HK$93,658
baseline
▲ 0.50% · 4.625%
HK$98,595
+HK$4,937/mo
Deposit HK$11.68M · loan HK$17.51M · min. income ≈ HK$187,316/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,184
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,083
−HK$2,945/mo
Today · 4.125%
HK$99,028
baseline
▲ 0.50% · 4.625%
HK$105,053
+HK$6,025/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$198,056/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,667
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,447
−HK$2,821/mo
Today · 4.125%
HK$109,268
baseline
▲ 0.50% · 4.625%
HK$115,027
+HK$5,759/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$218,536/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,809
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$123,535
−HK$3,787/mo
Today · 4.125%
HK$127,322
baseline
▲ 0.50% · 4.625%
HK$135,069
+HK$7,747/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$254,644/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,286
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$136,860
−HK$3,627/mo
Today · 4.125%
HK$140,487
baseline
▲ 0.50% · 4.625%
HK$147,892
+HK$7,405/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$280,974/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,568 · Scale 2, in force from 26 Feb 2026)