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$66,618
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,690
−HK$2,106/mo
Today · 4.125%
HK$70,796
baseline
▲ 0.50% · 4.625%
HK$75,104
+HK$4,308/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,592/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,112
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,100
−HK$2,016/mo
Today · 4.125%
HK$78,116
baseline
▲ 0.50% · 4.625%
HK$82,234
+HK$4,118/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,232/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,942
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,429
−HK$2,526/mo
Today · 4.125%
HK$84,955
baseline
▲ 0.50% · 4.625%
HK$90,124
+HK$5,169/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,910/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,935
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,320
−HK$2,419/mo
Today · 4.125%
HK$93,739
baseline
▲ 0.50% · 4.625%
HK$98,681
+HK$4,942/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,478/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,266
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,167
−HK$2,947/mo
Today · 4.125%
HK$99,114
baseline
▲ 0.50% · 4.625%
HK$105,145
+HK$6,031/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$198,228/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,757
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,540
−HK$2,823/mo
Today · 4.125%
HK$109,363
baseline
▲ 0.50% · 4.625%
HK$115,127
+HK$5,764/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$218,726/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,913
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$123,643
−HK$3,789/mo
Today · 4.125%
HK$127,432
baseline
▲ 0.50% · 4.625%
HK$135,186
+HK$7,754/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$254,864/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,402
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$136,980
−HK$3,629/mo
Today · 4.125%
HK$140,609
baseline
▲ 0.50% · 4.625%
HK$148,021
+HK$7,412/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$281,218/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,649 · Scale 2, in force from 26 Feb 2026)