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$66,681
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,755
−HK$2,108/mo
Today · 4.125%
HK$70,863
baseline
▲ 0.50% · 4.625%
HK$75,175
+HK$4,312/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,726/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,182
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,172
−HK$2,018/mo
Today · 4.125%
HK$78,190
baseline
▲ 0.50% · 4.625%
HK$82,312
+HK$4,122/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,380/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,017
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,506
−HK$2,529/mo
Today · 4.125%
HK$85,035
baseline
▲ 0.50% · 4.625%
HK$90,209
+HK$5,174/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,070/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,019
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,406
−HK$2,422/mo
Today · 4.125%
HK$93,828
baseline
▲ 0.50% · 4.625%
HK$98,774
+HK$4,946/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,656/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,354
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$96,258
−HK$2,950/mo
Today · 4.125%
HK$99,208
baseline
▲ 0.50% · 4.625%
HK$105,244
+HK$6,036/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$198,416/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,855
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,640
−HK$2,826/mo
Today · 4.125%
HK$109,466
baseline
▲ 0.50% · 4.625%
HK$115,236
+HK$5,770/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$218,932/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,026
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$123,760
−HK$3,793/mo
Today · 4.125%
HK$127,553
baseline
▲ 0.50% · 4.625%
HK$135,314
+HK$7,761/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$255,106/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,528
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,109
−HK$3,633/mo
Today · 4.125%
HK$140,742
baseline
▲ 0.50% · 4.625%
HK$148,161
+HK$7,419/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$281,484/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,822 · Scale 2, in force from 26 Feb 2026)