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$66,654
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,727
−HK$2,106/mo
Today · 4.125%
HK$70,833
baseline
▲ 0.50% · 4.625%
HK$75,143
+HK$4,310/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,666/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,151
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,140
−HK$2,018/mo
Today · 4.125%
HK$78,158
baseline
▲ 0.50% · 4.625%
HK$82,277
+HK$4,119/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,316/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,984
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,472
−HK$2,528/mo
Today · 4.125%
HK$85,000
baseline
▲ 0.50% · 4.625%
HK$90,172
+HK$5,172/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$170,000/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,982
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,368
−HK$2,421/mo
Today · 4.125%
HK$93,789
baseline
▲ 0.50% · 4.625%
HK$98,733
+HK$4,944/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$187,578/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,315
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,218
−HK$2,949/mo
Today · 4.125%
HK$99,167
baseline
▲ 0.50% · 4.625%
HK$105,201
+HK$6,034/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,334/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,812
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,596
−HK$2,825/mo
Today · 4.125%
HK$109,421
baseline
▲ 0.50% · 4.625%
HK$115,188
+HK$5,767/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,842/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,976
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$123,708
−HK$3,792/mo
Today · 4.125%
HK$127,500
baseline
▲ 0.50% · 4.625%
HK$135,258
+HK$7,758/mo
Deposit HK$2.92M · loan HK$26.31M · min. income ≈ HK$255,000/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,472
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$137,052
−HK$3,632/mo
Today · 4.125%
HK$140,684
baseline
▲ 0.50% · 4.625%
HK$148,099
+HK$7,415/mo
Deposit HK$2.92M · loan HK$26.31M · min. income ≈ HK$281,368/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,306 · Scale 2, in force from 26 Feb 2026)