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$66,707
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,782
−HK$2,108/mo
Today · 4.125%
HK$70,890
baseline
▲ 0.50% · 4.625%
HK$75,204
+HK$4,314/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,780/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,211
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,201
−HK$2,019/mo
Today · 4.125%
HK$78,220
baseline
▲ 0.50% · 4.625%
HK$82,344
+HK$4,124/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,440/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,049
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,539
−HK$2,529/mo
Today · 4.125%
HK$85,068
baseline
▲ 0.50% · 4.625%
HK$90,245
+HK$5,177/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,136/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,053
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,442
−HK$2,423/mo
Today · 4.125%
HK$93,865
baseline
▲ 0.50% · 4.625%
HK$98,812
+HK$4,947/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,730/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,390
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,295
−HK$2,951/mo
Today · 4.125%
HK$99,246
baseline
▲ 0.50% · 4.625%
HK$105,285
+HK$6,039/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,492/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,895
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,682
−HK$2,827/mo
Today · 4.125%
HK$109,509
baseline
▲ 0.50% · 4.625%
HK$115,281
+HK$5,772/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,018/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,073
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$123,808
−HK$3,794/mo
Today · 4.125%
HK$127,602
baseline
▲ 0.50% · 4.625%
HK$135,367
+HK$7,765/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$255,204/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,580
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$137,162
−HK$3,635/mo
Today · 4.125%
HK$140,797
baseline
▲ 0.50% · 4.625%
HK$148,218
+HK$7,421/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$281,594/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,305 · Scale 2, in force from 26 Feb 2026)