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$66,676
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,750
−HK$2,108/mo
Today · 4.125%
HK$70,858
baseline
▲ 0.50% · 4.625%
HK$75,169
+HK$4,311/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,716/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,177
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,166
−HK$2,018/mo
Today · 4.125%
HK$78,184
baseline
▲ 0.50% · 4.625%
HK$82,306
+HK$4,122/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,368/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,012
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,501
−HK$2,528/mo
Today · 4.125%
HK$85,029
baseline
▲ 0.50% · 4.625%
HK$90,203
+HK$5,174/mo
Deposit HK$11.70M · loan HK$17.54M · min. income ≈ HK$170,058/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,012
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,400
−HK$2,421/mo
Today · 4.125%
HK$93,821
baseline
▲ 0.50% · 4.625%
HK$98,767
+HK$4,946/mo
Deposit HK$11.70M · loan HK$17.54M · min. income ≈ HK$187,642/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,347
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$96,251
−HK$2,950/mo
Today · 4.125%
HK$99,201
baseline
▲ 0.50% · 4.625%
HK$105,237
+HK$6,036/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$198,402/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,848
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,633
−HK$2,825/mo
Today · 4.125%
HK$109,458
baseline
▲ 0.50% · 4.625%
HK$115,228
+HK$5,770/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$218,916/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,018
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,751
−HK$3,793/mo
Today · 4.125%
HK$127,544
baseline
▲ 0.50% · 4.625%
HK$135,305
+HK$7,761/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$255,088/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,518
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,099
−HK$3,633/mo
Today · 4.125%
HK$140,732
baseline
▲ 0.50% · 4.625%
HK$148,150
+HK$7,418/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$281,464/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,734 · Scale 2, in force from 26 Feb 2026)