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$66,581
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,652
−HK$2,104/mo
Today · 4.125%
HK$70,756
baseline
▲ 0.50% · 4.625%
HK$75,061
+HK$4,305/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,512/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,071
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,057
−HK$2,015/mo
Today · 4.125%
HK$78,072
baseline
▲ 0.50% · 4.625%
HK$82,188
+HK$4,116/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,144/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,897
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,382
−HK$2,525/mo
Today · 4.125%
HK$84,907
baseline
▲ 0.50% · 4.625%
HK$90,074
+HK$5,167/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,814/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,885
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,269
−HK$2,418/mo
Today · 4.125%
HK$93,687
baseline
▲ 0.50% · 4.625%
HK$98,625
+HK$4,938/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,374/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,213
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,113
−HK$2,946/mo
Today · 4.125%
HK$99,059
baseline
▲ 0.50% · 4.625%
HK$105,086
+HK$6,027/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,118/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,699
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,480
−HK$2,821/mo
Today · 4.125%
HK$109,301
baseline
▲ 0.50% · 4.625%
HK$115,063
+HK$5,762/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,602/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,846
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$123,574
−HK$3,787/mo
Today · 4.125%
HK$127,361
baseline
▲ 0.50% · 4.625%
HK$135,111
+HK$7,750/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$254,722/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,327
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$136,903
−HK$3,627/mo
Today · 4.125%
HK$140,530
baseline
▲ 0.50% · 4.625%
HK$147,938
+HK$7,408/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$281,060/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,952 · Scale 2, in force from 26 Feb 2026)