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$67,008
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,092
−HK$2,118/mo
Today · 4.125%
HK$71,210
baseline
▲ 0.50% · 4.625%
HK$75,543
+HK$4,333/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,420/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,545
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,545
−HK$2,028/mo
Today · 4.125%
HK$78,573
baseline
▲ 0.50% · 4.625%
HK$82,715
+HK$4,142/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,146/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,409
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,910
−HK$2,542/mo
Today · 4.125%
HK$85,452
baseline
▲ 0.50% · 4.625%
HK$90,651
+HK$5,199/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$170,904/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,454
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,854
−HK$2,433/mo
Today · 4.125%
HK$94,287
baseline
▲ 0.50% · 4.625%
HK$99,257
+HK$4,970/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$188,574/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,811
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,729
−HK$2,965/mo
Today · 4.125%
HK$99,694
baseline
▲ 0.50% · 4.625%
HK$105,760
+HK$6,066/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$199,388/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,364
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,162
−HK$2,840/mo
Today · 4.125%
HK$110,002
baseline
▲ 0.50% · 4.625%
HK$115,800
+HK$5,798/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$220,004/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,614
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$124,366
−HK$3,811/mo
Today · 4.125%
HK$128,177
baseline
▲ 0.50% · 4.625%
HK$135,977
+HK$7,800/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$256,354/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,182
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$137,780
−HK$3,651/mo
Today · 4.125%
HK$141,431
baseline
▲ 0.50% · 4.625%
HK$148,886
+HK$7,455/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$282,862/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,907 · Scale 2, in force from 26 Feb 2026)