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$66,735
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,811
−HK$2,109/mo
Today · 4.125%
HK$70,920
baseline
▲ 0.50% · 4.625%
HK$75,235
+HK$4,315/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,840/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,242
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,233
−HK$2,020/mo
Today · 4.125%
HK$78,253
baseline
▲ 0.50% · 4.625%
HK$82,378
+HK$4,125/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,506/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,082
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,573
−HK$2,531/mo
Today · 4.125%
HK$85,104
baseline
▲ 0.50% · 4.625%
HK$90,282
+HK$5,178/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,208/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,090
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,480
−HK$2,424/mo
Today · 4.125%
HK$93,904
baseline
▲ 0.50% · 4.625%
HK$98,853
+HK$4,949/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,808/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,429
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,335
−HK$2,953/mo
Today · 4.125%
HK$99,288
baseline
▲ 0.50% · 4.625%
HK$105,329
+HK$6,041/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,576/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,939
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,726
−HK$2,828/mo
Today · 4.125%
HK$109,554
baseline
▲ 0.50% · 4.625%
HK$115,329
+HK$5,775/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,108/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,123
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$123,859
−HK$3,797/mo
Today · 4.125%
HK$127,656
baseline
▲ 0.50% · 4.625%
HK$135,423
+HK$7,767/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,312/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,636
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$137,220
−HK$3,636/mo
Today · 4.125%
HK$140,856
baseline
▲ 0.50% · 4.625%
HK$148,280
+HK$7,424/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,712/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,824 · Scale 2, in force from 26 Feb 2026)