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$66,582
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,653
−HK$2,104/mo
Today · 4.125%
HK$70,757
baseline
▲ 0.50% · 4.625%
HK$75,063
+HK$4,306/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,514/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,072
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,058
−HK$2,016/mo
Today · 4.125%
HK$78,074
baseline
▲ 0.50% · 4.625%
HK$82,189
+HK$4,115/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,148/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,898
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,384
−HK$2,525/mo
Today · 4.125%
HK$84,909
baseline
▲ 0.50% · 4.625%
HK$90,075
+HK$5,166/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,818/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,886
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,270
−HK$2,418/mo
Today · 4.125%
HK$93,688
baseline
▲ 0.50% · 4.625%
HK$98,627
+HK$4,939/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,376/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,215
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,114
−HK$2,946/mo
Today · 4.125%
HK$99,060
baseline
▲ 0.50% · 4.625%
HK$105,088
+HK$6,028/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,120/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,700
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,482
−HK$2,821/mo
Today · 4.125%
HK$109,303
baseline
▲ 0.50% · 4.625%
HK$115,065
+HK$5,762/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,606/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,848
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$123,575
−HK$3,788/mo
Today · 4.125%
HK$127,363
baseline
▲ 0.50% · 4.625%
HK$135,113
+HK$7,750/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$254,726/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,329
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$136,905
−HK$3,628/mo
Today · 4.125%
HK$140,533
baseline
▲ 0.50% · 4.625%
HK$147,940
+HK$7,407/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$281,066/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,972 · Scale 2, in force from 26 Feb 2026)