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$66,633
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,706
−HK$2,105/mo
Today · 4.125%
HK$70,811
baseline
▲ 0.50% · 4.625%
HK$75,120
+HK$4,309/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,622/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,129
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,117
−HK$2,016/mo
Today · 4.125%
HK$78,133
baseline
▲ 0.50% · 4.625%
HK$82,252
+HK$4,119/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,266/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,960
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,447
−HK$2,527/mo
Today · 4.125%
HK$84,974
baseline
▲ 0.50% · 4.625%
HK$90,144
+HK$5,170/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,948/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,954
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,340
−HK$2,420/mo
Today · 4.125%
HK$93,760
baseline
▲ 0.50% · 4.625%
HK$98,702
+HK$4,942/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,520/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,286
−HK$5,850/mo
▼ 0.25% · 3.875%
HK$96,188
−HK$2,948/mo
Today · 4.125%
HK$99,136
baseline
▲ 0.50% · 4.625%
HK$105,168
+HK$6,032/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,272/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,780
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,563
−HK$2,824/mo
Today · 4.125%
HK$109,387
baseline
▲ 0.50% · 4.625%
HK$115,153
+HK$5,766/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,774/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,939
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$123,670
−HK$3,791/mo
Today · 4.125%
HK$127,461
baseline
▲ 0.50% · 4.625%
HK$135,216
+HK$7,755/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$254,922/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,431
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$137,010
−HK$3,630/mo
Today · 4.125%
HK$140,640
baseline
▲ 0.50% · 4.625%
HK$148,054
+HK$7,414/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$281,280/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,923 · Scale 2, in force from 26 Feb 2026)