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$66,972
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,055
−HK$2,117/mo
Today · 4.125%
HK$71,172
baseline
▲ 0.50% · 4.625%
HK$75,503
+HK$4,331/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,344/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,506
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,504
−HK$2,027/mo
Today · 4.125%
HK$78,531
baseline
▲ 0.50% · 4.625%
HK$82,671
+HK$4,140/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,062/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,367
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,866
−HK$2,540/mo
Today · 4.125%
HK$85,406
baseline
▲ 0.50% · 4.625%
HK$90,603
+HK$5,197/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$170,812/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,407
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,805
−HK$2,432/mo
Today · 4.125%
HK$94,237
baseline
▲ 0.50% · 4.625%
HK$99,205
+HK$4,968/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$188,474/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,761
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,678
−HK$2,963/mo
Today · 4.125%
HK$99,641
baseline
▲ 0.50% · 4.625%
HK$105,704
+HK$6,063/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,282/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,308
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,106
−HK$2,838/mo
Today · 4.125%
HK$109,944
baseline
▲ 0.50% · 4.625%
HK$115,739
+HK$5,795/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,888/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,550
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$124,300
−HK$3,810/mo
Today · 4.125%
HK$128,110
baseline
▲ 0.50% · 4.625%
HK$135,905
+HK$7,795/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$256,220/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,111
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$137,707
−HK$3,649/mo
Today · 4.125%
HK$141,356
baseline
▲ 0.50% · 4.625%
HK$148,807
+HK$7,451/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$282,712/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,245 · Scale 2, in force from 26 Feb 2026)