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$66,970
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,053
−HK$2,117/mo
Today · 4.125%
HK$71,170
baseline
▲ 0.50% · 4.625%
HK$75,500
+HK$4,330/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,340/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,504
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,502
−HK$2,027/mo
Today · 4.125%
HK$78,529
baseline
▲ 0.50% · 4.625%
HK$82,668
+HK$4,139/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,058/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,364
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,864
−HK$2,540/mo
Today · 4.125%
HK$85,404
baseline
▲ 0.50% · 4.625%
HK$90,600
+HK$5,196/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$170,808/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,404
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,802
−HK$2,433/mo
Today · 4.125%
HK$94,235
baseline
▲ 0.50% · 4.625%
HK$99,202
+HK$4,967/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$188,470/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,758
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,675
−HK$2,963/mo
Today · 4.125%
HK$99,638
baseline
▲ 0.50% · 4.625%
HK$105,700
+HK$6,062/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,276/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,305
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,103
−HK$2,837/mo
Today · 4.125%
HK$109,940
baseline
▲ 0.50% · 4.625%
HK$115,736
+HK$5,796/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,880/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,546
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$124,296
−HK$3,810/mo
Today · 4.125%
HK$128,106
baseline
▲ 0.50% · 4.625%
HK$135,901
+HK$7,795/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$256,212/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,107
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$137,703
−HK$3,649/mo
Today · 4.125%
HK$141,352
baseline
▲ 0.50% · 4.625%
HK$148,803
+HK$7,451/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$282,704/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,208 · Scale 2, in force from 26 Feb 2026)