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$66,565
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,636
−HK$2,104/mo
Today · 4.125%
HK$70,740
baseline
▲ 0.50% · 4.625%
HK$75,044
+HK$4,304/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,480/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,053
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,039
−HK$2,015/mo
Today · 4.125%
HK$78,054
baseline
▲ 0.50% · 4.625%
HK$82,169
+HK$4,115/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,108/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,240,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,878
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,363
−HK$2,525/mo
Today · 4.125%
HK$84,888
baseline
▲ 0.50% · 4.625%
HK$90,053
+HK$5,165/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,776/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,864
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,247
−HK$2,418/mo
Today · 4.125%
HK$93,665
baseline
▲ 0.50% · 4.625%
HK$98,602
+HK$4,937/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,330/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,240,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,191
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,090
−HK$2,945/mo
Today · 4.125%
HK$99,035
baseline
▲ 0.50% · 4.625%
HK$105,061
+HK$6,026/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$198,070/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,675
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,455
−HK$2,821/mo
Today · 4.125%
HK$109,276
baseline
▲ 0.50% · 4.625%
HK$115,036
+HK$5,760/mo
Deposit HK$8.76M · loan HK$20.43M · min. income ≈ HK$218,552/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,240,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,818
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$123,545
−HK$3,786/mo
Today · 4.125%
HK$127,331
baseline
▲ 0.50% · 4.625%
HK$135,079
+HK$7,748/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$254,662/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,296
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$136,871
−HK$3,626/mo
Today · 4.125%
HK$140,497
baseline
▲ 0.50% · 4.625%
HK$147,903
+HK$7,406/mo
Deposit HK$2.92M · loan HK$26.27M · min. income ≈ HK$280,994/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,662 · Scale 2, in force from 26 Feb 2026)