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$66,673
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,747
−HK$2,107/mo
Today · 4.125%
HK$70,854
baseline
▲ 0.50% · 4.625%
HK$75,165
+HK$4,311/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,708/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,173
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,162
−HK$2,018/mo
Today · 4.125%
HK$78,180
baseline
▲ 0.50% · 4.625%
HK$82,301
+HK$4,121/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,360/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,008
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,496
−HK$2,529/mo
Today · 4.125%
HK$85,025
baseline
▲ 0.50% · 4.625%
HK$90,198
+HK$5,173/mo
Deposit HK$11.70M · loan HK$17.54M · min. income ≈ HK$170,050/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,008
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,395
−HK$2,422/mo
Today · 4.125%
HK$93,817
baseline
▲ 0.50% · 4.625%
HK$98,762
+HK$4,945/mo
Deposit HK$11.70M · loan HK$17.54M · min. income ≈ HK$187,634/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,342
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$96,246
−HK$2,950/mo
Today · 4.125%
HK$99,196
baseline
▲ 0.50% · 4.625%
HK$105,232
+HK$6,036/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$198,392/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,842
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,627
−HK$2,826/mo
Today · 4.125%
HK$109,453
baseline
▲ 0.50% · 4.625%
HK$115,222
+HK$5,769/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$218,906/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,012
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$123,745
−HK$3,792/mo
Today · 4.125%
HK$127,537
baseline
▲ 0.50% · 4.625%
HK$135,298
+HK$7,761/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$255,074/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,512
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,092
−HK$3,633/mo
Today · 4.125%
HK$140,725
baseline
▲ 0.50% · 4.625%
HK$148,143
+HK$7,418/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$281,450/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,670 · Scale 2, in force from 26 Feb 2026)