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$66,596
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,668
−HK$2,105/mo
Today · 4.125%
HK$70,773
baseline
▲ 0.50% · 4.625%
HK$75,079
+HK$4,306/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,546/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,088
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,075
−HK$2,016/mo
Today · 4.125%
HK$78,091
baseline
▲ 0.50% · 4.625%
HK$82,207
+HK$4,116/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,182/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,916
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,402
−HK$2,525/mo
Today · 4.125%
HK$84,927
baseline
▲ 0.50% · 4.625%
HK$90,095
+HK$5,168/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,854/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,905
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,290
−HK$2,419/mo
Today · 4.125%
HK$93,709
baseline
▲ 0.50% · 4.625%
HK$98,648
+HK$4,939/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,418/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,235
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$96,135
−HK$2,947/mo
Today · 4.125%
HK$99,082
baseline
▲ 0.50% · 4.625%
HK$105,110
+HK$6,028/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,164/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,723
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,505
−HK$2,822/mo
Today · 4.125%
HK$109,327
baseline
▲ 0.50% · 4.625%
HK$115,090
+HK$5,763/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,654/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,874
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$123,602
−HK$3,789/mo
Today · 4.125%
HK$127,391
baseline
▲ 0.50% · 4.625%
HK$135,142
+HK$7,751/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$254,782/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,358
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$136,935
−HK$3,628/mo
Today · 4.125%
HK$140,563
baseline
▲ 0.50% · 4.625%
HK$147,972
+HK$7,409/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$281,126/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,241 · Scale 2, in force from 26 Feb 2026)