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$66,596
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$68,668
−HK$2,104/mo
Today · 4.125%
HK$70,772
baseline
▲ 0.50% · 4.625%
HK$75,079
+HK$4,307/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$141,544/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,088
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,075
−HK$2,015/mo
Today · 4.125%
HK$78,090
baseline
▲ 0.50% · 4.625%
HK$82,207
+HK$4,117/mo
Deposit HK$14.60M · loan HK$14.60M · min. income ≈ HK$156,180/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,241,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,916
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,401
−HK$2,526/mo
Today · 4.125%
HK$84,927
baseline
▲ 0.50% · 4.625%
HK$90,095
+HK$5,168/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$169,854/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,905
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,290
−HK$2,419/mo
Today · 4.125%
HK$93,709
baseline
▲ 0.50% · 4.625%
HK$98,648
+HK$4,939/mo
Deposit HK$11.68M · loan HK$17.52M · min. income ≈ HK$187,418/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,241,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,235
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,135
−HK$2,946/mo
Today · 4.125%
HK$99,081
baseline
▲ 0.50% · 4.625%
HK$105,110
+HK$6,029/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$198,162/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,723
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$106,505
−HK$2,822/mo
Today · 4.125%
HK$109,327
baseline
▲ 0.50% · 4.625%
HK$115,089
+HK$5,762/mo
Deposit HK$8.76M · loan HK$20.44M · min. income ≈ HK$218,654/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$1,241,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,873
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$123,602
−HK$3,788/mo
Today · 4.125%
HK$127,390
baseline
▲ 0.50% · 4.625%
HK$135,142
+HK$7,752/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$254,780/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,358
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$136,934
−HK$3,629/mo
Today · 4.125%
HK$140,563
baseline
▲ 0.50% · 4.625%
HK$147,972
+HK$7,409/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$281,126/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,239 · Scale 2, in force from 26 Feb 2026)