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$66,989
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,073
−HK$2,117/mo
Today · 4.125%
HK$71,190
baseline
▲ 0.50% · 4.625%
HK$75,522
+HK$4,332/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,380/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,525
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,523
−HK$2,028/mo
Today · 4.125%
HK$78,551
baseline
▲ 0.50% · 4.625%
HK$82,691
+HK$4,140/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,102/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,387
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,887
−HK$2,541/mo
Today · 4.125%
HK$85,428
baseline
▲ 0.50% · 4.625%
HK$90,626
+HK$5,198/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$170,856/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,429
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,828
−HK$2,433/mo
Today · 4.125%
HK$94,261
baseline
▲ 0.50% · 4.625%
HK$99,230
+HK$4,969/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$188,522/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,785
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,702
−HK$2,964/mo
Today · 4.125%
HK$99,666
baseline
▲ 0.50% · 4.625%
HK$105,730
+HK$6,064/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,332/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,334
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,133
−HK$2,838/mo
Today · 4.125%
HK$109,971
baseline
▲ 0.50% · 4.625%
HK$115,768
+HK$5,797/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,942/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,580
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$124,331
−HK$3,811/mo
Today · 4.125%
HK$128,142
baseline
▲ 0.50% · 4.625%
HK$135,939
+HK$7,797/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$256,284/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,144
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$137,742
−HK$3,650/mo
Today · 4.125%
HK$141,392
baseline
▲ 0.50% · 4.625%
HK$148,845
+HK$7,453/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$282,784/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,558 · Scale 2, in force from 26 Feb 2026)