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$67,020
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,105
−HK$2,118/mo
Today · 4.125%
HK$71,223
baseline
▲ 0.50% · 4.625%
HK$75,557
+HK$4,334/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,446/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,249,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,559
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,559
−HK$2,028/mo
Today · 4.125%
HK$78,587
baseline
▲ 0.50% · 4.625%
HK$82,730
+HK$4,143/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,174/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,249,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,424
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,926
−HK$2,541/mo
Today · 4.125%
HK$85,467
baseline
▲ 0.50% · 4.625%
HK$90,668
+HK$5,201/mo
Deposit HK$11.76M · loan HK$17.63M · min. income ≈ HK$170,934/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,471
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,871
−HK$2,434/mo
Today · 4.125%
HK$94,305
baseline
▲ 0.50% · 4.625%
HK$99,276
+HK$4,971/mo
Deposit HK$11.76M · loan HK$17.63M · min. income ≈ HK$188,610/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,828
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,747
−HK$2,965/mo
Today · 4.125%
HK$99,712
baseline
▲ 0.50% · 4.625%
HK$105,779
+HK$6,067/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$199,424/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,383
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,182
−HK$2,840/mo
Today · 4.125%
HK$110,022
baseline
▲ 0.50% · 4.625%
HK$115,822
+HK$5,800/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$220,044/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,636
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$124,389
−HK$3,812/mo
Today · 4.125%
HK$128,201
baseline
▲ 0.50% · 4.625%
HK$136,002
+HK$7,801/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$256,402/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,207
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$137,806
−HK$3,651/mo
Today · 4.125%
HK$141,457
baseline
▲ 0.50% · 4.625%
HK$148,914
+HK$7,457/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$282,914/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,138 · Scale 2, in force from 26 Feb 2026)