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$66,661
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,735
−HK$2,107/mo
Today · 4.125%
HK$70,842
baseline
▲ 0.50% · 4.625%
HK$75,152
+HK$4,310/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,684/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,160
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,149
−HK$2,018/mo
Today · 4.125%
HK$78,167
baseline
▲ 0.50% · 4.625%
HK$82,287
+HK$4,120/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,334/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,994
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,482
−HK$2,528/mo
Today · 4.125%
HK$85,010
baseline
▲ 0.50% · 4.625%
HK$90,183
+HK$5,173/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$170,020/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,992
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,379
−HK$2,421/mo
Today · 4.125%
HK$93,800
baseline
▲ 0.50% · 4.625%
HK$98,744
+HK$4,944/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$187,600/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,326
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,229
−HK$2,949/mo
Today · 4.125%
HK$99,178
baseline
▲ 0.50% · 4.625%
HK$105,213
+HK$6,035/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,356/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,824
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,609
−HK$2,824/mo
Today · 4.125%
HK$109,433
baseline
▲ 0.50% · 4.625%
HK$115,202
+HK$5,769/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,866/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,990
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$123,723
−HK$3,792/mo
Today · 4.125%
HK$127,515
baseline
▲ 0.50% · 4.625%
HK$135,274
+HK$7,759/mo
Deposit HK$2.92M · loan HK$26.31M · min. income ≈ HK$255,030/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,488
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$137,068
−HK$3,632/mo
Today · 4.125%
HK$140,700
baseline
▲ 0.50% · 4.625%
HK$148,117
+HK$7,417/mo
Deposit HK$2.92M · loan HK$26.31M · min. income ≈ HK$281,400/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,452 · Scale 2, in force from 26 Feb 2026)