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$66,645
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,718
−HK$2,107/mo
Today · 4.125%
HK$70,825
baseline
▲ 0.50% · 4.625%
HK$75,134
+HK$4,309/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,650/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,142
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$76,131
−HK$2,017/mo
Today · 4.125%
HK$78,148
baseline
▲ 0.50% · 4.625%
HK$82,267
+HK$4,119/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,296/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,974
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,462
−HK$2,528/mo
Today · 4.125%
HK$84,990
baseline
▲ 0.50% · 4.625%
HK$90,161
+HK$5,171/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$169,980/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,971
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,357
−HK$2,421/mo
Today · 4.125%
HK$93,778
baseline
▲ 0.50% · 4.625%
HK$98,721
+HK$4,943/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$187,556/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,304
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,206
−HK$2,948/mo
Today · 4.125%
HK$99,154
baseline
▲ 0.50% · 4.625%
HK$105,188
+HK$6,034/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,308/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,799
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$106,583
−HK$2,824/mo
Today · 4.125%
HK$109,407
baseline
▲ 0.50% · 4.625%
HK$115,174
+HK$5,767/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,814/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,962
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$123,693
−HK$3,791/mo
Today · 4.125%
HK$127,484
baseline
▲ 0.50% · 4.625%
HK$135,241
+HK$7,757/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$254,968/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,242,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,456
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$137,035
−HK$3,631/mo
Today · 4.125%
HK$140,666
baseline
▲ 0.50% · 4.625%
HK$148,081
+HK$7,415/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$281,332/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,242,154 · Scale 2, in force from 26 Feb 2026)