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$66,554
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,624
−HK$2,103/mo
Today · 4.125%
HK$70,727
baseline
▲ 0.50% · 4.625%
HK$75,031
+HK$4,304/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,454/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,040
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,026
−HK$2,015/mo
Today · 4.125%
HK$78,041
baseline
▲ 0.50% · 4.625%
HK$82,154
+HK$4,113/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,082/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,865
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,349
−HK$2,524/mo
Today · 4.125%
HK$84,873
baseline
▲ 0.50% · 4.625%
HK$90,037
+HK$5,164/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$169,746/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,849
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,231
−HK$2,418/mo
Today · 4.125%
HK$93,649
baseline
▲ 0.50% · 4.625%
HK$98,585
+HK$4,936/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$187,298/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,175
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,074
−HK$2,944/mo
Today · 4.125%
HK$99,018
baseline
▲ 0.50% · 4.625%
HK$105,043
+HK$6,025/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$198,036/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,657
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,437
−HK$2,820/mo
Today · 4.125%
HK$109,257
baseline
▲ 0.50% · 4.625%
HK$115,016
+HK$5,759/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$218,514/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,797
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$123,523
−HK$3,786/mo
Today · 4.125%
HK$127,309
baseline
▲ 0.50% · 4.625%
HK$135,056
+HK$7,747/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$254,618/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,273
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$136,847
−HK$3,626/mo
Today · 4.125%
HK$140,473
baseline
▲ 0.50% · 4.625%
HK$147,878
+HK$7,405/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$280,946/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,447 · Scale 2, in force from 26 Feb 2026)