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$66,766
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,843
−HK$2,110/mo
Today · 4.125%
HK$70,953
baseline
▲ 0.50% · 4.625%
HK$75,270
+HK$4,317/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,906/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,277
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,269
−HK$2,020/mo
Today · 4.125%
HK$78,289
baseline
▲ 0.50% · 4.625%
HK$82,416
+HK$4,127/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,578/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,119
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,611
−HK$2,532/mo
Today · 4.125%
HK$85,143
baseline
▲ 0.50% · 4.625%
HK$90,324
+HK$5,181/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$170,286/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,132
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,522
−HK$2,425/mo
Today · 4.125%
HK$93,947
baseline
▲ 0.50% · 4.625%
HK$98,899
+HK$4,952/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$187,894/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,472
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,380
−HK$2,954/mo
Today · 4.125%
HK$99,334
baseline
▲ 0.50% · 4.625%
HK$105,378
+HK$6,044/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$198,668/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,987
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,776
−HK$2,829/mo
Today · 4.125%
HK$109,605
baseline
▲ 0.50% · 4.625%
HK$115,383
+HK$5,778/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$219,210/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,179
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,917
−HK$3,798/mo
Today · 4.125%
HK$127,715
baseline
▲ 0.50% · 4.625%
HK$135,486
+HK$7,771/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$255,430/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,698
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,283
−HK$3,638/mo
Today · 4.125%
HK$140,921
baseline
▲ 0.50% · 4.625%
HK$148,349
+HK$7,428/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$281,842/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,403 · Scale 2, in force from 26 Feb 2026)