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$66,699
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$68,773
−HK$2,108/mo
Today · 4.125%
HK$70,881
baseline
▲ 0.50% · 4.625%
HK$75,194
+HK$4,313/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,762/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,202
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$76,192
−HK$2,019/mo
Today · 4.125%
HK$78,211
baseline
▲ 0.50% · 4.625%
HK$82,333
+HK$4,122/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,422/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,038
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,528
−HK$2,530/mo
Today · 4.125%
HK$85,058
baseline
▲ 0.50% · 4.625%
HK$90,233
+HK$5,175/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,116/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,042
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,430
−HK$2,423/mo
Today · 4.125%
HK$93,853
baseline
▲ 0.50% · 4.625%
HK$98,800
+HK$4,947/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,706/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,243,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,378
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,283
−HK$2,951/mo
Today · 4.125%
HK$99,234
baseline
▲ 0.50% · 4.625%
HK$105,272
+HK$6,038/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,468/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,882
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,668
−HK$2,827/mo
Today · 4.125%
HK$109,495
baseline
▲ 0.50% · 4.625%
HK$115,266
+HK$5,771/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$218,990/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,058
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$123,792
−HK$3,794/mo
Today · 4.125%
HK$127,586
baseline
▲ 0.50% · 4.625%
HK$135,350
+HK$7,764/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$255,172/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,563
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$137,145
−HK$3,634/mo
Today · 4.125%
HK$140,779
baseline
▲ 0.50% · 4.625%
HK$148,200
+HK$7,421/mo
Deposit HK$2.93M · loan HK$26.33M · min. income ≈ HK$281,558/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,148 · Scale 2, in force from 26 Feb 2026)