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$66,540
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,610
−HK$2,103/mo
Today · 4.125%
HK$70,713
baseline
▲ 0.50% · 4.625%
HK$75,016
+HK$4,303/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,426/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,025
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,011
−HK$2,014/mo
Today · 4.125%
HK$78,025
baseline
▲ 0.50% · 4.625%
HK$82,137
+HK$4,112/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,050/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,848
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,332
−HK$2,523/mo
Today · 4.125%
HK$84,855
baseline
▲ 0.50% · 4.625%
HK$90,019
+HK$5,164/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$169,710/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,240,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,830
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,213
−HK$2,417/mo
Today · 4.125%
HK$93,630
baseline
▲ 0.50% · 4.625%
HK$98,565
+HK$4,935/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$187,260/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,240,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,156
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,054
−HK$2,944/mo
Today · 4.125%
HK$98,998
baseline
▲ 0.50% · 4.625%
HK$105,022
+HK$6,024/mo
Deposit HK$8.75M · loan HK$20.43M · min. income ≈ HK$197,996/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,240,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,635
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$106,415
−HK$2,820/mo
Today · 4.125%
HK$109,235
baseline
▲ 0.50% · 4.625%
HK$114,992
+HK$5,757/mo
Deposit HK$8.75M · loan HK$20.43M · min. income ≈ HK$218,470/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,240,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,772
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$123,498
−HK$3,785/mo
Today · 4.125%
HK$127,283
baseline
▲ 0.50% · 4.625%
HK$135,028
+HK$7,745/mo
Deposit HK$2.92M · loan HK$26.26M · min. income ≈ HK$254,566/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,246
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$136,819
−HK$3,625/mo
Today · 4.125%
HK$140,444
baseline
▲ 0.50% · 4.625%
HK$147,847
+HK$7,403/mo
Deposit HK$2.92M · loan HK$26.26M · min. income ≈ HK$280,888/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,194 · Scale 2, in force from 26 Feb 2026)