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$66,792
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$68,870
−HK$2,110/mo
Today · 4.125%
HK$70,980
baseline
▲ 0.50% · 4.625%
HK$75,299
+HK$4,319/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,960/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,305
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,298
−HK$2,022/mo
Today · 4.125%
HK$78,320
baseline
▲ 0.50% · 4.625%
HK$82,448
+HK$4,128/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,640/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,150
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,643
−HK$2,533/mo
Today · 4.125%
HK$85,176
baseline
▲ 0.50% · 4.625%
HK$90,359
+HK$5,183/mo
Deposit HK$11.72M · loan HK$17.57M · min. income ≈ HK$170,352/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,166
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,558
−HK$2,426/mo
Today · 4.125%
HK$93,984
baseline
▲ 0.50% · 4.625%
HK$98,938
+HK$4,954/mo
Deposit HK$11.72M · loan HK$17.57M · min. income ≈ HK$187,968/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,509
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,417
−HK$2,956/mo
Today · 4.125%
HK$99,373
baseline
▲ 0.50% · 4.625%
HK$105,419
+HK$6,046/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$198,746/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,027
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,817
−HK$2,831/mo
Today · 4.125%
HK$109,648
baseline
▲ 0.50% · 4.625%
HK$115,427
+HK$5,779/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$219,296/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,225
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,965
−HK$3,800/mo
Today · 4.125%
HK$127,765
baseline
▲ 0.50% · 4.625%
HK$135,539
+HK$7,774/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$255,530/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,750
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$137,337
−HK$3,639/mo
Today · 4.125%
HK$140,976
baseline
▲ 0.50% · 4.625%
HK$148,407
+HK$7,431/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$281,952/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,885 · Scale 2, in force from 26 Feb 2026)