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$66,730
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,805
−HK$2,109/mo
Today · 4.125%
HK$70,914
baseline
▲ 0.50% · 4.625%
HK$75,229
+HK$4,315/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,828/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,236
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,227
−HK$2,020/mo
Today · 4.125%
HK$78,247
baseline
▲ 0.50% · 4.625%
HK$82,371
+HK$4,124/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,494/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,076
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,566
−HK$2,531/mo
Today · 4.125%
HK$85,097
baseline
▲ 0.50% · 4.625%
HK$90,275
+HK$5,178/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,194/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,083
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,472
−HK$2,424/mo
Today · 4.125%
HK$93,896
baseline
▲ 0.50% · 4.625%
HK$98,846
+HK$4,950/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,792/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,422
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,327
−HK$2,953/mo
Today · 4.125%
HK$99,280
baseline
▲ 0.50% · 4.625%
HK$105,321
+HK$6,041/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,560/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,931
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,718
−HK$2,828/mo
Today · 4.125%
HK$109,546
baseline
▲ 0.50% · 4.625%
HK$115,320
+HK$5,774/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,092/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,113
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$123,850
−HK$3,796/mo
Today · 4.125%
HK$127,646
baseline
▲ 0.50% · 4.625%
HK$135,413
+HK$7,767/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,292/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,625
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$137,209
−HK$3,635/mo
Today · 4.125%
HK$140,844
baseline
▲ 0.50% · 4.625%
HK$148,268
+HK$7,424/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,688/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,725 · Scale 2, in force from 26 Feb 2026)