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$66,577
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,648
−HK$2,104/mo
Today · 4.125%
HK$70,752
baseline
▲ 0.50% · 4.625%
HK$75,057
+HK$4,305/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,504/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,067
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,053
−HK$2,015/mo
Today · 4.125%
HK$78,068
baseline
▲ 0.50% · 4.625%
HK$82,183
+HK$4,115/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,136/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,893
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,378
−HK$2,525/mo
Today · 4.125%
HK$84,903
baseline
▲ 0.50% · 4.625%
HK$90,069
+HK$5,166/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,806/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,880
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$91,264
−HK$2,418/mo
Today · 4.125%
HK$93,682
baseline
▲ 0.50% · 4.625%
HK$98,620
+HK$4,938/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,364/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,208
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$96,107
−HK$2,946/mo
Today · 4.125%
HK$99,053
baseline
▲ 0.50% · 4.625%
HK$105,080
+HK$6,027/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,106/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,693
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$106,474
−HK$2,821/mo
Today · 4.125%
HK$109,295
baseline
▲ 0.50% · 4.625%
HK$115,056
+HK$5,761/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,590/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,839
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$123,567
−HK$3,787/mo
Today · 4.125%
HK$127,354
baseline
▲ 0.50% · 4.625%
HK$135,103
+HK$7,749/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$254,708/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,320
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$136,895
−HK$3,628/mo
Today · 4.125%
HK$140,523
baseline
▲ 0.50% · 4.625%
HK$147,930
+HK$7,407/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$281,046/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,885 · Scale 2, in force from 26 Feb 2026)