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$66,766
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,843
−HK$2,110/mo
Today · 4.125%
HK$70,953
baseline
▲ 0.50% · 4.625%
HK$75,271
+HK$4,318/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,906/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,277
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,269
−HK$2,021/mo
Today · 4.125%
HK$78,290
baseline
▲ 0.50% · 4.625%
HK$82,417
+HK$4,127/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,580/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,120
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,612
−HK$2,532/mo
Today · 4.125%
HK$85,144
baseline
▲ 0.50% · 4.625%
HK$90,325
+HK$5,181/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$170,288/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,132
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,523
−HK$2,425/mo
Today · 4.125%
HK$93,948
baseline
▲ 0.50% · 4.625%
HK$98,900
+HK$4,952/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$187,896/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,473
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,380
−HK$2,955/mo
Today · 4.125%
HK$99,335
baseline
▲ 0.50% · 4.625%
HK$105,379
+HK$6,044/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$198,670/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,988
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,777
−HK$2,829/mo
Today · 4.125%
HK$109,606
baseline
▲ 0.50% · 4.625%
HK$115,383
+HK$5,777/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$219,212/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,180
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,918
−HK$3,798/mo
Today · 4.125%
HK$127,716
baseline
▲ 0.50% · 4.625%
HK$135,487
+HK$7,771/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$255,432/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,698
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$137,284
−HK$3,638/mo
Today · 4.125%
HK$140,922
baseline
▲ 0.50% · 4.625%
HK$148,350
+HK$7,428/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$281,844/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,410 · Scale 2, in force from 26 Feb 2026)