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$66,767
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,844
−HK$2,110/mo
Today · 4.125%
HK$70,954
baseline
▲ 0.50% · 4.625%
HK$75,272
+HK$4,318/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,908/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,278
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,270
−HK$2,021/mo
Today · 4.125%
HK$78,291
baseline
▲ 0.50% · 4.625%
HK$82,418
+HK$4,127/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,582/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,121
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,613
−HK$2,532/mo
Today · 4.125%
HK$85,145
baseline
▲ 0.50% · 4.625%
HK$90,326
+HK$5,181/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$170,290/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,134
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,524
−HK$2,425/mo
Today · 4.125%
HK$93,949
baseline
▲ 0.50% · 4.625%
HK$98,902
+HK$4,953/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$187,898/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,474
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,382
−HK$2,954/mo
Today · 4.125%
HK$99,336
baseline
▲ 0.50% · 4.625%
HK$105,380
+HK$6,044/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$198,672/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,989
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,778
−HK$2,830/mo
Today · 4.125%
HK$109,608
baseline
▲ 0.50% · 4.625%
HK$115,385
+HK$5,777/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$219,216/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,181
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$123,920
−HK$3,798/mo
Today · 4.125%
HK$127,718
baseline
▲ 0.50% · 4.625%
HK$135,489
+HK$7,771/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$255,436/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,701
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,286
−HK$3,638/mo
Today · 4.125%
HK$140,924
baseline
▲ 0.50% · 4.625%
HK$148,352
+HK$7,428/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$281,848/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,429 · Scale 2, in force from 26 Feb 2026)