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$66,754
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,831
−HK$2,109/mo
Today · 4.125%
HK$70,940
baseline
▲ 0.50% · 4.625%
HK$75,257
+HK$4,317/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,880/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,264
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,255
−HK$2,021/mo
Today · 4.125%
HK$78,276
baseline
▲ 0.50% · 4.625%
HK$82,402
+HK$4,126/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,552/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,105
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,597
−HK$2,532/mo
Today · 4.125%
HK$85,129
baseline
▲ 0.50% · 4.625%
HK$90,308
+HK$5,179/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,258/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,116
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,506
−HK$2,425/mo
Today · 4.125%
HK$93,931
baseline
▲ 0.50% · 4.625%
HK$98,882
+HK$4,951/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,862/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,456
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$96,363
−HK$2,954/mo
Today · 4.125%
HK$99,317
baseline
▲ 0.50% · 4.625%
HK$105,360
+HK$6,043/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,634/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,969
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,757
−HK$2,829/mo
Today · 4.125%
HK$109,586
baseline
▲ 0.50% · 4.625%
HK$115,363
+HK$5,777/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,172/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,158
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$123,896
−HK$3,797/mo
Today · 4.125%
HK$127,693
baseline
▲ 0.50% · 4.625%
HK$135,463
+HK$7,770/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$255,386/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,674
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,260
−HK$3,637/mo
Today · 4.125%
HK$140,897
baseline
▲ 0.50% · 4.625%
HK$148,323
+HK$7,426/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$281,794/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,186 · Scale 2, in force from 26 Feb 2026)