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$66,674
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,748
−HK$2,108/mo
Today · 4.125%
HK$70,856
baseline
▲ 0.50% · 4.625%
HK$75,167
+HK$4,311/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,712/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,175
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,164
−HK$2,018/mo
Today · 4.125%
HK$78,182
baseline
▲ 0.50% · 4.625%
HK$82,303
+HK$4,121/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,364/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,009
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,498
−HK$2,529/mo
Today · 4.125%
HK$85,027
baseline
▲ 0.50% · 4.625%
HK$90,200
+HK$5,173/mo
Deposit HK$11.70M · loan HK$17.54M · min. income ≈ HK$170,054/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,010
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,397
−HK$2,422/mo
Today · 4.125%
HK$93,819
baseline
▲ 0.50% · 4.625%
HK$98,764
+HK$4,945/mo
Deposit HK$11.70M · loan HK$17.54M · min. income ≈ HK$187,638/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,344
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$96,248
−HK$2,950/mo
Today · 4.125%
HK$99,198
baseline
▲ 0.50% · 4.625%
HK$105,234
+HK$6,036/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$198,396/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,845
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,630
−HK$2,825/mo
Today · 4.125%
HK$109,455
baseline
▲ 0.50% · 4.625%
HK$115,225
+HK$5,770/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$218,910/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,014
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,747
−HK$3,793/mo
Today · 4.125%
HK$127,540
baseline
▲ 0.50% · 4.625%
HK$135,301
+HK$7,761/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$255,080/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,514
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,095
−HK$3,633/mo
Today · 4.125%
HK$140,728
baseline
▲ 0.50% · 4.625%
HK$148,146
+HK$7,418/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$281,456/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,697 · Scale 2, in force from 26 Feb 2026)