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$66,797
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,875
−HK$2,111/mo
Today · 4.125%
HK$70,986
baseline
▲ 0.50% · 4.625%
HK$75,305
+HK$4,319/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,972/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,311
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,304
−HK$2,022/mo
Today · 4.125%
HK$78,326
baseline
▲ 0.50% · 4.625%
HK$82,454
+HK$4,128/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,652/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,156
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,650
−HK$2,533/mo
Today · 4.125%
HK$85,183
baseline
▲ 0.50% · 4.625%
HK$90,366
+HK$5,183/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,366/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,173
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,565
−HK$2,426/mo
Today · 4.125%
HK$93,991
baseline
▲ 0.50% · 4.625%
HK$98,945
+HK$4,954/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$187,982/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,516
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,425
−HK$2,955/mo
Today · 4.125%
HK$99,380
baseline
▲ 0.50% · 4.625%
HK$105,427
+HK$6,047/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,760/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,035
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,825
−HK$2,831/mo
Today · 4.125%
HK$109,656
baseline
▲ 0.50% · 4.625%
HK$115,436
+HK$5,780/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,312/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,234
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,974
−HK$3,800/mo
Today · 4.125%
HK$127,774
baseline
▲ 0.50% · 4.625%
HK$135,549
+HK$7,775/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$255,548/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,760
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,347
−HK$3,639/mo
Today · 4.125%
HK$140,986
baseline
▲ 0.50% · 4.625%
HK$148,418
+HK$7,432/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$281,972/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,978 · Scale 2, in force from 26 Feb 2026)