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$66,664
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,737
−HK$2,107/mo
Today · 4.125%
HK$70,844
baseline
▲ 0.50% · 4.625%
HK$75,155
+HK$4,311/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,688/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,163
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,152
−HK$2,018/mo
Today · 4.125%
HK$78,170
baseline
▲ 0.50% · 4.625%
HK$82,290
+HK$4,120/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,340/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,996
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,485
−HK$2,528/mo
Today · 4.125%
HK$85,013
baseline
▲ 0.50% · 4.625%
HK$90,186
+HK$5,173/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$170,026/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,995
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,382
−HK$2,421/mo
Today · 4.125%
HK$93,803
baseline
▲ 0.50% · 4.625%
HK$98,748
+HK$4,945/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$187,606/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,329
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,232
−HK$2,950/mo
Today · 4.125%
HK$99,182
baseline
▲ 0.50% · 4.625%
HK$105,217
+HK$6,035/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,364/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,828
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,612
−HK$2,825/mo
Today · 4.125%
HK$109,437
baseline
▲ 0.50% · 4.625%
HK$115,206
+HK$5,769/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,874/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,995
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$123,727
−HK$3,792/mo
Today · 4.125%
HK$127,519
baseline
▲ 0.50% · 4.625%
HK$135,279
+HK$7,760/mo
Deposit HK$2.92M · loan HK$26.31M · min. income ≈ HK$255,038/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,493
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$137,073
−HK$3,632/mo
Today · 4.125%
HK$140,705
baseline
▲ 0.50% · 4.625%
HK$148,122
+HK$7,417/mo
Deposit HK$2.92M · loan HK$26.31M · min. income ≈ HK$281,410/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,496 · Scale 2, in force from 26 Feb 2026)