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$66,680
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,754
−HK$2,107/mo
Today · 4.125%
HK$70,861
baseline
▲ 0.50% · 4.625%
HK$75,173
+HK$4,312/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,722/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,180
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,170
−HK$2,018/mo
Today · 4.125%
HK$78,188
baseline
▲ 0.50% · 4.625%
HK$82,309
+HK$4,121/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,376/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,015
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,504
−HK$2,529/mo
Today · 4.125%
HK$85,033
baseline
▲ 0.50% · 4.625%
HK$90,207
+HK$5,174/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,066/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,016
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,404
−HK$2,422/mo
Today · 4.125%
HK$93,826
baseline
▲ 0.50% · 4.625%
HK$98,771
+HK$4,945/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,652/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,351
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$96,255
−HK$2,950/mo
Today · 4.125%
HK$99,205
baseline
▲ 0.50% · 4.625%
HK$105,242
+HK$6,037/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$198,410/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,242,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,852
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,638
−HK$2,825/mo
Today · 4.125%
HK$109,463
baseline
▲ 0.50% · 4.625%
HK$115,233
+HK$5,770/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$218,926/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,242,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,023
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$123,757
−HK$3,793/mo
Today · 4.125%
HK$127,550
baseline
▲ 0.50% · 4.625%
HK$135,311
+HK$7,761/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$255,100/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,525
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,106
−HK$3,633/mo
Today · 4.125%
HK$140,739
baseline
▲ 0.50% · 4.625%
HK$148,157
+HK$7,418/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$281,478/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,791 · Scale 2, in force from 26 Feb 2026)