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$66,704
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,779
−HK$2,108/mo
Today · 4.125%
HK$70,887
baseline
▲ 0.50% · 4.625%
HK$75,200
+HK$4,313/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,774/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,207
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,197
−HK$2,019/mo
Today · 4.125%
HK$78,216
baseline
▲ 0.50% · 4.625%
HK$82,339
+HK$4,123/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,432/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,044
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,534
−HK$2,530/mo
Today · 4.125%
HK$85,064
baseline
▲ 0.50% · 4.625%
HK$90,240
+HK$5,176/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,128/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,049
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,437
−HK$2,423/mo
Today · 4.125%
HK$93,860
baseline
▲ 0.50% · 4.625%
HK$98,807
+HK$4,947/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,720/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,385
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,290
−HK$2,951/mo
Today · 4.125%
HK$99,241
baseline
▲ 0.50% · 4.625%
HK$105,280
+HK$6,039/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,482/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,890
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,676
−HK$2,827/mo
Today · 4.125%
HK$109,503
baseline
▲ 0.50% · 4.625%
HK$115,275
+HK$5,772/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,006/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,067
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$123,801
−HK$3,795/mo
Today · 4.125%
HK$127,596
baseline
▲ 0.50% · 4.625%
HK$135,360
+HK$7,764/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$255,192/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,573
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$137,155
−HK$3,634/mo
Today · 4.125%
HK$140,789
baseline
▲ 0.50% · 4.625%
HK$148,211
+HK$7,422/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$281,578/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,241 · Scale 2, in force from 26 Feb 2026)