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$66,806
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,884
−HK$2,111/mo
Today · 4.125%
HK$70,995
baseline
▲ 0.50% · 4.625%
HK$75,315
+HK$4,320/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,990/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,320
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,314
−HK$2,022/mo
Today · 4.125%
HK$78,336
baseline
▲ 0.50% · 4.625%
HK$82,465
+HK$4,129/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,672/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,167
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,660
−HK$2,534/mo
Today · 4.125%
HK$85,194
baseline
▲ 0.50% · 4.625%
HK$90,378
+HK$5,184/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,388/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,185
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,576
−HK$2,427/mo
Today · 4.125%
HK$94,003
baseline
▲ 0.50% · 4.625%
HK$98,958
+HK$4,955/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,006/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,528
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,437
−HK$2,956/mo
Today · 4.125%
HK$99,393
baseline
▲ 0.50% · 4.625%
HK$105,441
+HK$6,048/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,786/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,049
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,839
−HK$2,831/mo
Today · 4.125%
HK$109,670
baseline
▲ 0.50% · 4.625%
HK$115,451
+HK$5,781/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,340/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,250
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$123,990
−HK$3,801/mo
Today · 4.125%
HK$127,791
baseline
▲ 0.50% · 4.625%
HK$135,566
+HK$7,775/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$255,582/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,245,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,777
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,365
−HK$3,639/mo
Today · 4.125%
HK$141,004
baseline
▲ 0.50% · 4.625%
HK$148,437
+HK$7,433/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$282,008/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,245,139 · Scale 2, in force from 26 Feb 2026)