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$66,551
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,621
−HK$2,104/mo
Today · 4.125%
HK$70,725
baseline
▲ 0.50% · 4.625%
HK$75,028
+HK$4,303/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,450/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,038
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,023
−HK$2,015/mo
Today · 4.125%
HK$78,038
baseline
▲ 0.50% · 4.625%
HK$82,151
+HK$4,113/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,076/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,861
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,346
−HK$2,523/mo
Today · 4.125%
HK$84,869
baseline
▲ 0.50% · 4.625%
HK$90,034
+HK$5,165/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$169,738/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,845
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,228
−HK$2,417/mo
Today · 4.125%
HK$93,645
baseline
▲ 0.50% · 4.625%
HK$98,581
+HK$4,936/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$187,290/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,172
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,070
−HK$2,944/mo
Today · 4.125%
HK$99,014
baseline
▲ 0.50% · 4.625%
HK$105,039
+HK$6,025/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$198,028/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,653
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,432
−HK$2,821/mo
Today · 4.125%
HK$109,253
baseline
▲ 0.50% · 4.625%
HK$115,011
+HK$5,758/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$218,506/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,792
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$123,518
−HK$3,786/mo
Today · 4.125%
HK$127,304
baseline
▲ 0.50% · 4.625%
HK$135,050
+HK$7,746/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$254,608/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,268
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$136,842
−HK$3,626/mo
Today · 4.125%
HK$140,468
baseline
▲ 0.50% · 4.625%
HK$147,872
+HK$7,404/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$280,936/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,399 · Scale 2, in force from 26 Feb 2026)