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$4,173/mo
▼ 0.25% · 3.875%
HK$68,621
−HK$2,103/mo
Today · 4.125%
HK$70,724
baseline
▲ 0.50% · 4.625%
HK$75,028
+HK$4,304/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,448/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,037
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,023
−HK$2,014/mo
Today · 4.125%
HK$78,037
baseline
▲ 0.50% · 4.625%
HK$82,151
+HK$4,114/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,074/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,861
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,345
−HK$2,524/mo
Today · 4.125%
HK$84,869
baseline
▲ 0.50% · 4.625%
HK$90,033
+HK$5,164/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$1,240,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,845
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,227
−HK$2,418/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$1,240,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,171
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,069
−HK$2,945/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$1,240,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,652
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,432
−HK$2,820/mo
Today · 4.125%
HK$109,252
baseline
▲ 0.50% · 4.625%
HK$115,011
+HK$5,759/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$218,504/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,791
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$123,518
−HK$3,785/mo
Today · 4.125%
HK$127,303
baseline
▲ 0.50% · 4.625%
HK$135,050
+HK$7,747/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$254,606/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,267
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$136,841
−HK$3,626/mo
Today · 4.125%
HK$140,467
baseline
▲ 0.50% · 4.625%
HK$147,871
+HK$7,404/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$280,934/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,391 · Scale 2, in force from 26 Feb 2026)