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$66,724
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,800
−HK$2,108/mo
Today · 4.125%
HK$70,908
baseline
▲ 0.50% · 4.625%
HK$75,223
+HK$4,315/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,816/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,230
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,221
−HK$2,019/mo
Today · 4.125%
HK$78,240
baseline
▲ 0.50% · 4.625%
HK$82,365
+HK$4,125/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,480/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,069
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,560
−HK$2,530/mo
Today · 4.125%
HK$85,090
baseline
▲ 0.50% · 4.625%
HK$90,268
+HK$5,178/mo
Deposit HK$11.70M · loan HK$17.56M · min. income ≈ HK$170,180/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,076
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,465
−HK$2,424/mo
Today · 4.125%
HK$93,889
baseline
▲ 0.50% · 4.625%
HK$98,838
+HK$4,949/mo
Deposit HK$11.70M · loan HK$17.56M · min. income ≈ HK$187,778/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,414
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,320
−HK$2,952/mo
Today · 4.125%
HK$99,272
baseline
▲ 0.50% · 4.625%
HK$105,312
+HK$6,040/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,544/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,922
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,709
−HK$2,828/mo
Today · 4.125%
HK$109,537
baseline
▲ 0.50% · 4.625%
HK$115,310
+HK$5,773/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,074/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,104
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$123,840
−HK$3,795/mo
Today · 4.125%
HK$127,635
baseline
▲ 0.50% · 4.625%
HK$135,402
+HK$7,767/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,270/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,614
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$137,198
−HK$3,635/mo
Today · 4.125%
HK$140,833
baseline
▲ 0.50% · 4.625%
HK$148,256
+HK$7,423/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,666/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,624 · Scale 2, in force from 26 Feb 2026)