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$66,555
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,625
−HK$2,104/mo
Today · 4.125%
HK$70,729
baseline
▲ 0.50% · 4.625%
HK$75,032
+HK$4,303/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,458/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,042
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,027
−HK$2,015/mo
Today · 4.125%
HK$78,042
baseline
▲ 0.50% · 4.625%
HK$82,156
+HK$4,114/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,084/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,866
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,350
−HK$2,524/mo
Today · 4.125%
HK$84,874
baseline
▲ 0.50% · 4.625%
HK$90,039
+HK$5,165/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$169,748/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,850
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,233
−HK$2,417/mo
Today · 4.125%
HK$93,650
baseline
▲ 0.50% · 4.625%
HK$98,587
+HK$4,937/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$187,300/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,177
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,075
−HK$2,945/mo
Today · 4.125%
HK$99,020
baseline
▲ 0.50% · 4.625%
HK$105,045
+HK$6,025/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$198,040/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,658
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,438
−HK$2,821/mo
Today · 4.125%
HK$109,259
baseline
▲ 0.50% · 4.625%
HK$115,018
+HK$5,759/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$218,518/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,799
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$123,525
−HK$3,786/mo
Today · 4.125%
HK$127,311
baseline
▲ 0.50% · 4.625%
HK$135,058
+HK$7,747/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$254,622/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,275
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$136,849
−HK$3,627/mo
Today · 4.125%
HK$140,476
baseline
▲ 0.50% · 4.625%
HK$147,880
+HK$7,404/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$280,952/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,469 · Scale 2, in force from 26 Feb 2026)