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$66,675
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,749
−HK$2,107/mo
Today · 4.125%
HK$70,856
baseline
▲ 0.50% · 4.625%
HK$75,168
+HK$4,312/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,712/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,175
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,165
−HK$2,018/mo
Today · 4.125%
HK$78,183
baseline
▲ 0.50% · 4.625%
HK$82,304
+HK$4,121/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,366/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,010
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,499
−HK$2,528/mo
Today · 4.125%
HK$85,027
baseline
▲ 0.50% · 4.625%
HK$90,201
+HK$5,174/mo
Deposit HK$11.70M · loan HK$17.54M · min. income ≈ HK$170,054/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,010
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,398
−HK$2,421/mo
Today · 4.125%
HK$93,819
baseline
▲ 0.50% · 4.625%
HK$98,765
+HK$4,946/mo
Deposit HK$11.70M · loan HK$17.54M · min. income ≈ HK$187,638/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,345
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$96,249
−HK$2,950/mo
Today · 4.125%
HK$99,199
baseline
▲ 0.50% · 4.625%
HK$105,235
+HK$6,036/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$198,398/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,846
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,631
−HK$2,825/mo
Today · 4.125%
HK$109,456
baseline
▲ 0.50% · 4.625%
HK$115,226
+HK$5,770/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$218,912/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,015
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,748
−HK$3,793/mo
Today · 4.125%
HK$127,541
baseline
▲ 0.50% · 4.625%
HK$135,302
+HK$7,761/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$255,082/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,516
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,097
−HK$3,632/mo
Today · 4.125%
HK$140,729
baseline
▲ 0.50% · 4.625%
HK$148,147
+HK$7,418/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$281,458/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,708 · Scale 2, in force from 26 Feb 2026)