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$66,746
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$68,823
−HK$2,109/mo
Today · 4.125%
HK$70,932
baseline
▲ 0.50% · 4.625%
HK$75,248
+HK$4,316/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,864/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,255
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,246
−HK$2,020/mo
Today · 4.125%
HK$78,266
baseline
▲ 0.50% · 4.625%
HK$82,392
+HK$4,126/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,532/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,096
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,587
−HK$2,531/mo
Today · 4.125%
HK$85,118
baseline
▲ 0.50% · 4.625%
HK$90,298
+HK$5,180/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,236/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,106
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,495
−HK$2,425/mo
Today · 4.125%
HK$93,920
baseline
▲ 0.50% · 4.625%
HK$98,870
+HK$4,950/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,840/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,244,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,445
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,352
−HK$2,953/mo
Today · 4.125%
HK$99,305
baseline
▲ 0.50% · 4.625%
HK$105,347
+HK$6,042/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,610/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,957
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,745
−HK$2,828/mo
Today · 4.125%
HK$109,573
baseline
▲ 0.50% · 4.625%
HK$115,349
+HK$5,776/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,146/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,144
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,881
−HK$3,797/mo
Today · 4.125%
HK$127,678
baseline
▲ 0.50% · 4.625%
HK$135,447
+HK$7,769/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,356/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,659
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$137,243
−HK$3,637/mo
Today · 4.125%
HK$140,880
baseline
▲ 0.50% · 4.625%
HK$148,306
+HK$7,426/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,760/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,037 · Scale 2, in force from 26 Feb 2026)