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$66,706
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,781
−HK$2,108/mo
Today · 4.125%
HK$70,889
baseline
▲ 0.50% · 4.625%
HK$75,202
+HK$4,313/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,778/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,210
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,200
−HK$2,019/mo
Today · 4.125%
HK$78,219
baseline
▲ 0.50% · 4.625%
HK$82,342
+HK$4,123/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,438/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,047
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,537
−HK$2,530/mo
Today · 4.125%
HK$85,067
baseline
▲ 0.50% · 4.625%
HK$90,243
+HK$5,176/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,134/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,052
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,440
−HK$2,423/mo
Today · 4.125%
HK$93,863
baseline
▲ 0.50% · 4.625%
HK$98,810
+HK$4,947/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,726/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,388
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,293
−HK$2,952/mo
Today · 4.125%
HK$99,245
baseline
▲ 0.50% · 4.625%
HK$105,283
+HK$6,038/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,490/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,894
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,680
−HK$2,827/mo
Today · 4.125%
HK$109,507
baseline
▲ 0.50% · 4.625%
HK$115,279
+HK$5,772/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,014/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,071
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$123,806
−HK$3,794/mo
Today · 4.125%
HK$127,600
baseline
▲ 0.50% · 4.625%
HK$135,364
+HK$7,764/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$255,200/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,578
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$137,160
−HK$3,634/mo
Today · 4.125%
HK$140,794
baseline
▲ 0.50% · 4.625%
HK$148,216
+HK$7,422/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$281,588/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,283 · Scale 2, in force from 26 Feb 2026)