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$66,784
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,861
−HK$2,111/mo
Today · 4.125%
HK$70,972
baseline
▲ 0.50% · 4.625%
HK$75,290
+HK$4,318/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,944/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,296
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$76,289
−HK$2,021/mo
Today · 4.125%
HK$78,310
baseline
▲ 0.50% · 4.625%
HK$82,438
+HK$4,128/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,620/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,141
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,633
−HK$2,533/mo
Today · 4.125%
HK$85,166
baseline
▲ 0.50% · 4.625%
HK$90,348
+HK$5,182/mo
Deposit HK$11.72M · loan HK$17.57M · min. income ≈ HK$170,332/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,156
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,547
−HK$2,425/mo
Today · 4.125%
HK$93,972
baseline
▲ 0.50% · 4.625%
HK$98,926
+HK$4,954/mo
Deposit HK$11.72M · loan HK$17.57M · min. income ≈ HK$187,944/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,497
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,406
−HK$2,954/mo
Today · 4.125%
HK$99,360
baseline
▲ 0.50% · 4.625%
HK$105,406
+HK$6,046/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$198,720/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,015
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,804
−HK$2,830/mo
Today · 4.125%
HK$109,634
baseline
▲ 0.50% · 4.625%
HK$115,413
+HK$5,779/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$219,268/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,211
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$123,950
−HK$3,799/mo
Today · 4.125%
HK$127,749
baseline
▲ 0.50% · 4.625%
HK$135,522
+HK$7,773/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$255,498/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,733
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,320
−HK$3,639/mo
Today · 4.125%
HK$140,959
baseline
▲ 0.50% · 4.625%
HK$148,389
+HK$7,430/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$281,918/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,734 · Scale 2, in force from 26 Feb 2026)