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$66,649
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,723
−HK$2,106/mo
Today · 4.125%
HK$70,829
baseline
▲ 0.50% · 4.625%
HK$75,139
+HK$4,310/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,658/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,147
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,135
−HK$2,018/mo
Today · 4.125%
HK$78,153
baseline
▲ 0.50% · 4.625%
HK$82,272
+HK$4,119/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,306/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,979
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,467
−HK$2,528/mo
Today · 4.125%
HK$84,995
baseline
▲ 0.50% · 4.625%
HK$90,166
+HK$5,171/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$169,990/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,976
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,362
−HK$2,421/mo
Today · 4.125%
HK$93,783
baseline
▲ 0.50% · 4.625%
HK$98,727
+HK$4,944/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$187,566/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,309
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,212
−HK$2,949/mo
Today · 4.125%
HK$99,161
baseline
▲ 0.50% · 4.625%
HK$105,194
+HK$6,033/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,322/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,806
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$106,590
−HK$2,824/mo
Today · 4.125%
HK$109,414
baseline
▲ 0.50% · 4.625%
HK$115,181
+HK$5,767/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,828/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,969
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$123,701
−HK$3,791/mo
Today · 4.125%
HK$127,492
baseline
▲ 0.50% · 4.625%
HK$135,250
+HK$7,758/mo
Deposit HK$2.92M · loan HK$26.31M · min. income ≈ HK$254,984/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,464
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$137,044
−HK$3,631/mo
Today · 4.125%
HK$140,675
baseline
▲ 0.50% · 4.625%
HK$148,090
+HK$7,415/mo
Deposit HK$2.92M · loan HK$26.31M · min. income ≈ HK$281,350/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,230 · Scale 2, in force from 26 Feb 2026)