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$66,668
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,742
−HK$2,107/mo
Today · 4.125%
HK$70,849
baseline
▲ 0.50% · 4.625%
HK$75,160
+HK$4,311/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,698/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,168
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,157
−HK$2,018/mo
Today · 4.125%
HK$78,175
baseline
▲ 0.50% · 4.625%
HK$82,296
+HK$4,121/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,350/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,002
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,491
−HK$2,528/mo
Today · 4.125%
HK$85,019
baseline
▲ 0.50% · 4.625%
HK$90,192
+HK$5,173/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$170,038/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,002
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,389
−HK$2,421/mo
Today · 4.125%
HK$93,810
baseline
▲ 0.50% · 4.625%
HK$98,755
+HK$4,945/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$187,620/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,336
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,239
−HK$2,950/mo
Today · 4.125%
HK$99,189
baseline
▲ 0.50% · 4.625%
HK$105,224
+HK$6,035/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$198,378/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,835
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,620
−HK$2,825/mo
Today · 4.125%
HK$109,445
baseline
▲ 0.50% · 4.625%
HK$115,214
+HK$5,769/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$218,890/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,003
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,736
−HK$3,793/mo
Today · 4.125%
HK$127,529
baseline
▲ 0.50% · 4.625%
HK$135,288
+HK$7,759/mo
Deposit HK$2.92M · loan HK$26.31M · min. income ≈ HK$255,058/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,502
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,083
−HK$3,632/mo
Today · 4.125%
HK$140,715
baseline
▲ 0.50% · 4.625%
HK$148,132
+HK$7,417/mo
Deposit HK$2.92M · loan HK$26.31M · min. income ≈ HK$281,430/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,585 · Scale 2, in force from 26 Feb 2026)