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$66,701
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,776
−HK$2,108/mo
Today · 4.125%
HK$70,884
baseline
▲ 0.50% · 4.625%
HK$75,197
+HK$4,313/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,768/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,205
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,195
−HK$2,019/mo
Today · 4.125%
HK$78,214
baseline
▲ 0.50% · 4.625%
HK$82,336
+HK$4,122/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,428/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,042
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,531
−HK$2,530/mo
Today · 4.125%
HK$85,061
baseline
▲ 0.50% · 4.625%
HK$90,237
+HK$5,176/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,122/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,045
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,434
−HK$2,422/mo
Today · 4.125%
HK$93,856
baseline
▲ 0.50% · 4.625%
HK$98,804
+HK$4,948/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,712/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,382
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,287
−HK$2,951/mo
Today · 4.125%
HK$99,238
baseline
▲ 0.50% · 4.625%
HK$105,276
+HK$6,038/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,476/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,886
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,673
−HK$2,826/mo
Today · 4.125%
HK$109,499
baseline
▲ 0.50% · 4.625%
HK$115,271
+HK$5,772/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$218,998/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,062
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$123,797
−HK$3,794/mo
Today · 4.125%
HK$127,591
baseline
▲ 0.50% · 4.625%
HK$135,355
+HK$7,764/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$255,182/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,568
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$137,150
−HK$3,634/mo
Today · 4.125%
HK$140,784
baseline
▲ 0.50% · 4.625%
HK$148,205
+HK$7,421/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$281,568/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,197 · Scale 2, in force from 26 Feb 2026)