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$66,714
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$68,789
−HK$2,108/mo
Today · 4.125%
HK$70,897
baseline
▲ 0.50% · 4.625%
HK$75,211
+HK$4,314/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,794/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,218
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$76,209
−HK$2,019/mo
Today · 4.125%
HK$78,228
baseline
▲ 0.50% · 4.625%
HK$82,352
+HK$4,124/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,456/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,056
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,547
−HK$2,530/mo
Today · 4.125%
HK$85,077
baseline
▲ 0.50% · 4.625%
HK$90,253
+HK$5,176/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,154/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,062
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,451
−HK$2,423/mo
Today · 4.125%
HK$93,874
baseline
▲ 0.50% · 4.625%
HK$98,822
+HK$4,948/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,748/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,399
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,304
−HK$2,952/mo
Today · 4.125%
HK$99,256
baseline
▲ 0.50% · 4.625%
HK$105,296
+HK$6,040/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,512/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,906
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,692
−HK$2,827/mo
Today · 4.125%
HK$109,519
baseline
▲ 0.50% · 4.625%
HK$115,292
+HK$5,773/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,038/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,085
−HK$7,530/mo
▼ 0.25% · 3.875%
HK$123,820
−HK$3,795/mo
Today · 4.125%
HK$127,615
baseline
▲ 0.50% · 4.625%
HK$135,380
+HK$7,765/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$255,230/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,593
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$137,176
−HK$3,635/mo
Today · 4.125%
HK$140,811
baseline
▲ 0.50% · 4.625%
HK$148,233
+HK$7,422/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$281,622/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,427 · Scale 2, in force from 26 Feb 2026)