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$66,990
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,073
−HK$2,117/mo
Today · 4.125%
HK$71,190
baseline
▲ 0.50% · 4.625%
HK$75,522
+HK$4,332/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,380/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,525
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,524
−HK$2,028/mo
Today · 4.125%
HK$78,552
baseline
▲ 0.50% · 4.625%
HK$82,692
+HK$4,140/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,104/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,387
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,888
−HK$2,540/mo
Today · 4.125%
HK$85,428
baseline
▲ 0.50% · 4.625%
HK$90,627
+HK$5,199/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$170,856/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,430
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,829
−HK$2,433/mo
Today · 4.125%
HK$94,262
baseline
▲ 0.50% · 4.625%
HK$99,231
+HK$4,969/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$188,524/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,785
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,703
−HK$2,964/mo
Today · 4.125%
HK$99,667
baseline
▲ 0.50% · 4.625%
HK$105,731
+HK$6,064/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,334/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,335
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,134
−HK$2,838/mo
Today · 4.125%
HK$109,972
baseline
▲ 0.50% · 4.625%
HK$115,769
+HK$5,797/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,944/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,581
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$124,332
−HK$3,811/mo
Today · 4.125%
HK$128,143
baseline
▲ 0.50% · 4.625%
HK$135,940
+HK$7,797/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$256,286/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,145
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$137,743
−HK$3,650/mo
Today · 4.125%
HK$141,393
baseline
▲ 0.50% · 4.625%
HK$148,846
+HK$7,453/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$282,786/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,569 · Scale 2, in force from 26 Feb 2026)