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$66,684
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$68,758
−HK$2,107/mo
Today · 4.125%
HK$70,865
baseline
▲ 0.50% · 4.625%
HK$75,177
+HK$4,312/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$141,730/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,185
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$76,174
−HK$2,019/mo
Today · 4.125%
HK$78,193
baseline
▲ 0.50% · 4.625%
HK$82,314
+HK$4,121/mo
Deposit HK$14.62M · loan HK$14.62M · min. income ≈ HK$156,386/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,020
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,509
−HK$2,529/mo
Today · 4.125%
HK$85,038
baseline
▲ 0.50% · 4.625%
HK$90,213
+HK$5,175/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$170,076/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,022
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,409
−HK$2,422/mo
Today · 4.125%
HK$93,831
baseline
▲ 0.50% · 4.625%
HK$98,777
+HK$4,946/mo
Deposit HK$11.70M · loan HK$17.55M · min. income ≈ HK$187,662/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,242,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,357
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$96,261
−HK$2,950/mo
Today · 4.125%
HK$99,211
baseline
▲ 0.50% · 4.625%
HK$105,248
+HK$6,037/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$198,422/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,242,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,859
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,644
−HK$2,826/mo
Today · 4.125%
HK$109,470
baseline
▲ 0.50% · 4.625%
HK$115,240
+HK$5,770/mo
Deposit HK$8.77M · loan HK$20.47M · min. income ≈ HK$218,940/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,242,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,030
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$123,764
−HK$3,793/mo
Today · 4.125%
HK$127,557
baseline
▲ 0.50% · 4.625%
HK$135,319
+HK$7,762/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$255,114/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,533
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,114
−HK$3,633/mo
Today · 4.125%
HK$140,747
baseline
▲ 0.50% · 4.625%
HK$148,166
+HK$7,419/mo
Deposit HK$2.92M · loan HK$26.32M · min. income ≈ HK$281,494/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,242,865 · Scale 2, in force from 26 Feb 2026)