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$66,640
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,713
−HK$2,106/mo
Today · 4.125%
HK$70,819
baseline
▲ 0.50% · 4.625%
HK$75,128
+HK$4,309/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,638/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,242,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,136
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,124
−HK$2,018/mo
Today · 4.125%
HK$78,142
baseline
▲ 0.50% · 4.625%
HK$82,260
+HK$4,118/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,284/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,242,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,968
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,455
−HK$2,528/mo
Today · 4.125%
HK$84,983
baseline
▲ 0.50% · 4.625%
HK$90,153
+HK$5,170/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,966/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,963
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,349
−HK$2,421/mo
Today · 4.125%
HK$93,770
baseline
▲ 0.50% · 4.625%
HK$98,713
+HK$4,943/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,540/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,296
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,198
−HK$2,948/mo
Today · 4.125%
HK$99,146
baseline
▲ 0.50% · 4.625%
HK$105,179
+HK$6,033/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,292/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,791
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,574
−HK$2,824/mo
Today · 4.125%
HK$109,398
baseline
▲ 0.50% · 4.625%
HK$115,165
+HK$5,767/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,796/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,952
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$123,683
−HK$3,791/mo
Today · 4.125%
HK$127,474
baseline
▲ 0.50% · 4.625%
HK$135,230
+HK$7,756/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$254,948/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,242,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,445
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$137,024
−HK$3,631/mo
Today · 4.125%
HK$140,655
baseline
▲ 0.50% · 4.625%
HK$148,069
+HK$7,414/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$281,310/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,242,051 · Scale 2, in force from 26 Feb 2026)