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$66,548
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,618
−HK$2,103/mo
Today · 4.125%
HK$70,721
baseline
▲ 0.50% · 4.625%
HK$75,024
+HK$4,303/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,442/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,033
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,019
−HK$2,014/mo
Today · 4.125%
HK$78,033
baseline
▲ 0.50% · 4.625%
HK$82,146
+HK$4,113/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,066/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,857
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,341
−HK$2,524/mo
Today · 4.125%
HK$84,865
baseline
▲ 0.50% · 4.625%
HK$90,029
+HK$5,164/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$169,730/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,240,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,840
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,223
−HK$2,417/mo
Today · 4.125%
HK$93,640
baseline
▲ 0.50% · 4.625%
HK$98,576
+HK$4,936/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$187,280/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,240,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,167
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,065
−HK$2,944/mo
Today · 4.125%
HK$99,009
baseline
▲ 0.50% · 4.625%
HK$105,033
+HK$6,024/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$198,018/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,647
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,427
−HK$2,820/mo
Today · 4.125%
HK$109,247
baseline
▲ 0.50% · 4.625%
HK$115,005
+HK$5,758/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$218,494/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,786
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$123,512
−HK$3,785/mo
Today · 4.125%
HK$127,297
baseline
▲ 0.50% · 4.625%
HK$135,043
+HK$7,746/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$254,594/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,260
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$136,834
−HK$3,626/mo
Today · 4.125%
HK$140,460
baseline
▲ 0.50% · 4.625%
HK$147,864
+HK$7,404/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$280,920/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,330 · Scale 2, in force from 26 Feb 2026)