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$66,527
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,596
−HK$2,103/mo
Today · 4.125%
HK$70,699
baseline
▲ 0.50% · 4.625%
HK$75,000
+HK$4,301/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,398/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,239,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,010
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,995
−HK$2,014/mo
Today · 4.125%
HK$78,009
baseline
▲ 0.50% · 4.625%
HK$82,121
+HK$4,112/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,018/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,239,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,832
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,315
−HK$2,523/mo
Today · 4.125%
HK$84,838
baseline
▲ 0.50% · 4.625%
HK$90,001
+HK$5,163/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$169,676/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,812
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,194
−HK$2,417/mo
Today · 4.125%
HK$93,611
baseline
▲ 0.50% · 4.625%
HK$98,545
+HK$4,934/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$187,222/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,239,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,138
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,035
−HK$2,943/mo
Today · 4.125%
HK$98,978
baseline
▲ 0.50% · 4.625%
HK$105,001
+HK$6,023/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$197,956/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,615
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,393
−HK$2,820/mo
Today · 4.125%
HK$109,213
baseline
▲ 0.50% · 4.625%
HK$114,969
+HK$5,756/mo
Deposit HK$8.75M · loan HK$20.42M · min. income ≈ HK$218,426/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,239,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,748
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,473
−HK$3,784/mo
Today · 4.125%
HK$127,257
baseline
▲ 0.50% · 4.625%
HK$135,001
+HK$7,744/mo
Deposit HK$2.92M · loan HK$26.26M · min. income ≈ HK$254,514/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,219
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$136,792
−HK$3,624/mo
Today · 4.125%
HK$140,416
baseline
▲ 0.50% · 4.625%
HK$147,818
+HK$7,402/mo
Deposit HK$2.92M · loan HK$26.26M · min. income ≈ HK$280,832/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,239,944 · Scale 2, in force from 26 Feb 2026)