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$66,587
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,658
−HK$2,104/mo
Today · 4.125%
HK$70,762
baseline
▲ 0.50% · 4.625%
HK$75,068
+HK$4,306/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,524/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,077
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,064
−HK$2,015/mo
Today · 4.125%
HK$78,079
baseline
▲ 0.50% · 4.625%
HK$82,195
+HK$4,116/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,158/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,904
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,389
−HK$2,525/mo
Today · 4.125%
HK$84,914
baseline
▲ 0.50% · 4.625%
HK$90,081
+HK$5,167/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,828/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,892
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,276
−HK$2,419/mo
Today · 4.125%
HK$93,695
baseline
▲ 0.50% · 4.625%
HK$98,634
+HK$4,939/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,390/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,221
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,121
−HK$2,946/mo
Today · 4.125%
HK$99,067
baseline
▲ 0.50% · 4.625%
HK$105,095
+HK$6,028/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,134/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,708
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,489
−HK$2,822/mo
Today · 4.125%
HK$109,311
baseline
▲ 0.50% · 4.625%
HK$115,072
+HK$5,761/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,622/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,856
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$123,584
−HK$3,788/mo
Today · 4.125%
HK$127,372
baseline
▲ 0.50% · 4.625%
HK$135,122
+HK$7,750/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$254,744/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,338
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$136,914
−HK$3,628/mo
Today · 4.125%
HK$140,542
baseline
▲ 0.50% · 4.625%
HK$147,950
+HK$7,408/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$281,084/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,057 · Scale 2, in force from 26 Feb 2026)