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$66,995
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,079
−HK$2,117/mo
Today · 4.125%
HK$71,196
baseline
▲ 0.50% · 4.625%
HK$75,528
+HK$4,332/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,392/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,531
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,530
−HK$2,028/mo
Today · 4.125%
HK$78,558
baseline
▲ 0.50% · 4.625%
HK$82,699
+HK$4,141/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,116/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,394
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,894
−HK$2,541/mo
Today · 4.125%
HK$85,435
baseline
▲ 0.50% · 4.625%
HK$90,634
+HK$5,199/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$170,870/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,437
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,836
−HK$2,433/mo
Today · 4.125%
HK$94,269
baseline
▲ 0.50% · 4.625%
HK$99,238
+HK$4,969/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$188,538/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,793
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,710
−HK$2,964/mo
Today · 4.125%
HK$99,674
baseline
▲ 0.50% · 4.625%
HK$105,739
+HK$6,065/mo
Deposit HK$8.81M · loan HK$20.57M · min. income ≈ HK$199,348/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,343
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,142
−HK$2,839/mo
Today · 4.125%
HK$109,981
baseline
▲ 0.50% · 4.625%
HK$115,778
+HK$5,797/mo
Deposit HK$8.81M · loan HK$20.57M · min. income ≈ HK$219,962/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,591
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$124,342
−HK$3,811/mo
Today · 4.125%
HK$128,153
baseline
▲ 0.50% · 4.625%
HK$135,950
+HK$7,797/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$256,306/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,156
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$137,754
−HK$3,650/mo
Today · 4.125%
HK$141,404
baseline
▲ 0.50% · 4.625%
HK$148,857
+HK$7,453/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$282,808/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,665 · Scale 2, in force from 26 Feb 2026)