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$66,720
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,795
−HK$2,108/mo
Today · 4.125%
HK$70,903
baseline
▲ 0.50% · 4.625%
HK$75,218
+HK$4,315/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,806/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,225
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,215
−HK$2,020/mo
Today · 4.125%
HK$78,235
baseline
▲ 0.50% · 4.625%
HK$82,359
+HK$4,124/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,470/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,063
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,554
−HK$2,530/mo
Today · 4.125%
HK$85,084
baseline
▲ 0.50% · 4.625%
HK$90,261
+HK$5,177/mo
Deposit HK$11.70M · loan HK$17.56M · min. income ≈ HK$170,168/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,070
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,459
−HK$2,423/mo
Today · 4.125%
HK$93,882
baseline
▲ 0.50% · 4.625%
HK$98,831
+HK$4,949/mo
Deposit HK$11.70M · loan HK$17.56M · min. income ≈ HK$187,764/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,407
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,313
−HK$2,952/mo
Today · 4.125%
HK$99,265
baseline
▲ 0.50% · 4.625%
HK$105,305
+HK$6,040/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,530/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,915
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,702
−HK$2,827/mo
Today · 4.125%
HK$109,529
baseline
▲ 0.50% · 4.625%
HK$115,302
+HK$5,773/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,058/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,095
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$123,831
−HK$3,795/mo
Today · 4.125%
HK$127,626
baseline
▲ 0.50% · 4.625%
HK$135,392
+HK$7,766/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$255,252/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,605
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$137,188
−HK$3,635/mo
Today · 4.125%
HK$140,823
baseline
▲ 0.50% · 4.625%
HK$148,246
+HK$7,423/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$281,646/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,536 · Scale 2, in force from 26 Feb 2026)