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$66,557
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,628
−HK$2,103/mo
Today · 4.125%
HK$70,731
baseline
▲ 0.50% · 4.625%
HK$75,035
+HK$4,304/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,462/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,044
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,030
−HK$2,015/mo
Today · 4.125%
HK$78,045
baseline
▲ 0.50% · 4.625%
HK$82,158
+HK$4,113/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,090/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,869
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,353
−HK$2,524/mo
Today · 4.125%
HK$84,877
baseline
▲ 0.50% · 4.625%
HK$90,042
+HK$5,165/mo
Deposit HK$11.68M · loan HK$17.51M · min. income ≈ HK$169,754/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,853
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,236
−HK$2,418/mo
Today · 4.125%
HK$93,654
baseline
▲ 0.50% · 4.625%
HK$98,590
+HK$4,936/mo
Deposit HK$11.68M · loan HK$17.51M · min. income ≈ HK$187,308/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,180
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,079
−HK$2,944/mo
Today · 4.125%
HK$99,023
baseline
▲ 0.50% · 4.625%
HK$105,049
+HK$6,026/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$198,046/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,662
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,442
−HK$2,820/mo
Today · 4.125%
HK$109,262
baseline
▲ 0.50% · 4.625%
HK$115,022
+HK$5,760/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$218,524/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,803
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$123,530
−HK$3,786/mo
Today · 4.125%
HK$127,316
baseline
▲ 0.50% · 4.625%
HK$135,063
+HK$7,747/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$254,632/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,280
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$136,854
−HK$3,626/mo
Today · 4.125%
HK$140,480
baseline
▲ 0.50% · 4.625%
HK$147,885
+HK$7,405/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$280,960/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,511 · Scale 2, in force from 26 Feb 2026)