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$67,031
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,116
−HK$2,118/mo
Today · 4.125%
HK$71,234
baseline
▲ 0.50% · 4.625%
HK$75,569
+HK$4,335/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,468/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,571
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,571
−HK$2,029/mo
Today · 4.125%
HK$78,600
baseline
▲ 0.50% · 4.625%
HK$82,743
+HK$4,143/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,200/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,437
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,939
−HK$2,542/mo
Today · 4.125%
HK$85,481
baseline
▲ 0.50% · 4.625%
HK$90,683
+HK$5,202/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$170,962/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,486
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,886
−HK$2,434/mo
Today · 4.125%
HK$94,320
baseline
▲ 0.50% · 4.625%
HK$99,292
+HK$4,972/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$188,640/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,843
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$96,763
−HK$2,965/mo
Today · 4.125%
HK$99,728
baseline
▲ 0.50% · 4.625%
HK$105,797
+HK$6,069/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$199,456/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,400
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,200
−HK$2,840/mo
Today · 4.125%
HK$110,040
baseline
▲ 0.50% · 4.625%
HK$115,841
+HK$5,801/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$220,080/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,656
−HK$7,566/mo
▼ 0.25% · 3.875%
HK$124,409
−HK$3,813/mo
Today · 4.125%
HK$128,222
baseline
▲ 0.50% · 4.625%
HK$136,024
+HK$7,802/mo
Deposit HK$2.94M · loan HK$26.46M · min. income ≈ HK$256,444/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,228
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$137,828
−HK$3,652/mo
Today · 4.125%
HK$141,480
baseline
▲ 0.50% · 4.625%
HK$148,938
+HK$7,458/mo
Deposit HK$2.94M · loan HK$26.46M · min. income ≈ HK$282,960/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,342 · Scale 2, in force from 26 Feb 2026)