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$66,809
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,887
−HK$2,111/mo
Today · 4.125%
HK$70,998
baseline
▲ 0.50% · 4.625%
HK$75,319
+HK$4,321/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,996/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,324
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,318
−HK$2,022/mo
Today · 4.125%
HK$78,340
baseline
▲ 0.50% · 4.625%
HK$82,469
+HK$4,129/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,680/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,171
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,665
−HK$2,533/mo
Today · 4.125%
HK$85,198
baseline
▲ 0.50% · 4.625%
HK$90,382
+HK$5,184/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,396/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,189
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,581
−HK$2,427/mo
Today · 4.125%
HK$94,008
baseline
▲ 0.50% · 4.625%
HK$98,963
+HK$4,955/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,016/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,533
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,442
−HK$2,956/mo
Today · 4.125%
HK$99,398
baseline
▲ 0.50% · 4.625%
HK$105,446
+HK$6,048/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,796/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,054
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,845
−HK$2,831/mo
Today · 4.125%
HK$109,676
baseline
▲ 0.50% · 4.625%
HK$115,457
+HK$5,781/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,352/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,256
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$123,997
−HK$3,800/mo
Today · 4.125%
HK$127,797
baseline
▲ 0.50% · 4.625%
HK$135,573
+HK$7,776/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$255,594/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,784
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$137,372
−HK$3,640/mo
Today · 4.125%
HK$141,012
baseline
▲ 0.50% · 4.625%
HK$148,445
+HK$7,433/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$282,024/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,203 · Scale 2, in force from 26 Feb 2026)