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$66,602
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,674
−HK$2,104/mo
Today · 4.125%
HK$70,778
baseline
▲ 0.50% · 4.625%
HK$75,085
+HK$4,307/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,556/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,094
−HK$4,003/mo
▼ 0.25% · 3.875%
HK$76,081
−HK$2,016/mo
Today · 4.125%
HK$78,097
baseline
▲ 0.50% · 4.625%
HK$82,214
+HK$4,117/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,194/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,922
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,408
−HK$2,526/mo
Today · 4.125%
HK$84,934
baseline
▲ 0.50% · 4.625%
HK$90,102
+HK$5,168/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,868/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,913
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,297
−HK$2,420/mo
Today · 4.125%
HK$93,717
baseline
▲ 0.50% · 4.625%
HK$98,656
+HK$4,939/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,434/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,243
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$96,143
−HK$2,947/mo
Today · 4.125%
HK$99,090
baseline
▲ 0.50% · 4.625%
HK$105,119
+HK$6,029/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$198,180/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,732
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,514
−HK$2,822/mo
Today · 4.125%
HK$109,336
baseline
▲ 0.50% · 4.625%
HK$115,099
+HK$5,763/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$218,672/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,884
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$123,613
−HK$3,788/mo
Today · 4.125%
HK$127,401
baseline
▲ 0.50% · 4.625%
HK$135,153
+HK$7,752/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$254,802/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,369
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$136,946
−HK$3,629/mo
Today · 4.125%
HK$140,575
baseline
▲ 0.50% · 4.625%
HK$147,985
+HK$7,410/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$281,150/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,345 · Scale 2, in force from 26 Feb 2026)