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$66,589
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,661
−HK$2,104/mo
Today · 4.125%
HK$70,765
baseline
▲ 0.50% · 4.625%
HK$75,071
+HK$4,306/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,530/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,080
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,067
−HK$2,015/mo
Today · 4.125%
HK$78,082
baseline
▲ 0.50% · 4.625%
HK$82,198
+HK$4,116/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,164/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,907
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,393
−HK$2,525/mo
Today · 4.125%
HK$84,918
baseline
▲ 0.50% · 4.625%
HK$90,085
+HK$5,167/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,836/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,896
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,280
−HK$2,419/mo
Today · 4.125%
HK$93,699
baseline
▲ 0.50% · 4.625%
HK$98,638
+HK$4,939/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,398/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,225
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,125
−HK$2,946/mo
Today · 4.125%
HK$99,071
baseline
▲ 0.50% · 4.625%
HK$105,099
+HK$6,028/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,142/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,712
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,493
−HK$2,822/mo
Today · 4.125%
HK$109,315
baseline
▲ 0.50% · 4.625%
HK$115,077
+HK$5,762/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,630/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,861
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$123,589
−HK$3,788/mo
Today · 4.125%
HK$127,377
baseline
▲ 0.50% · 4.625%
HK$135,128
+HK$7,751/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$254,754/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,344
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$136,920
−HK$3,628/mo
Today · 4.125%
HK$140,548
baseline
▲ 0.50% · 4.625%
HK$147,957
+HK$7,409/mo
Deposit HK$2.92M · loan HK$26.28M · min. income ≈ HK$281,096/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,109 · Scale 2, in force from 26 Feb 2026)