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$66,704
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,779
−HK$2,108/mo
Today · 4.125%
HK$70,887
baseline
▲ 0.50% · 4.625%
HK$75,201
+HK$4,314/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,774/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,208
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,198
−HK$2,019/mo
Today · 4.125%
HK$78,217
baseline
▲ 0.50% · 4.625%
HK$82,340
+HK$4,123/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,434/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,045
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,535
−HK$2,530/mo
Today · 4.125%
HK$85,065
baseline
▲ 0.50% · 4.625%
HK$90,241
+HK$5,176/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,130/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,049
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,438
−HK$2,423/mo
Today · 4.125%
HK$93,861
baseline
▲ 0.50% · 4.625%
HK$98,808
+HK$4,947/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,722/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,386
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,291
−HK$2,951/mo
Today · 4.125%
HK$99,242
baseline
▲ 0.50% · 4.625%
HK$105,281
+HK$6,039/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,484/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,891
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,677
−HK$2,827/mo
Today · 4.125%
HK$109,504
baseline
▲ 0.50% · 4.625%
HK$115,276
+HK$5,772/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,008/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,068
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$123,803
−HK$3,794/mo
Today · 4.125%
HK$127,597
baseline
▲ 0.50% · 4.625%
HK$135,361
+HK$7,764/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$255,194/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,574
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$137,157
−HK$3,634/mo
Today · 4.125%
HK$140,791
baseline
▲ 0.50% · 4.625%
HK$148,212
+HK$7,421/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$281,582/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,252 · Scale 2, in force from 26 Feb 2026)