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$66,985
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,069
−HK$2,117/mo
Today · 4.125%
HK$71,186
baseline
▲ 0.50% · 4.625%
HK$75,517
+HK$4,331/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,372/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,520
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,519
−HK$2,027/mo
Today · 4.125%
HK$78,546
baseline
▲ 0.50% · 4.625%
HK$82,687
+HK$4,141/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,092/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,382
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,883
−HK$2,540/mo
Today · 4.125%
HK$85,423
baseline
▲ 0.50% · 4.625%
HK$90,621
+HK$5,198/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$170,846/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,424
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,823
−HK$2,433/mo
Today · 4.125%
HK$94,256
baseline
▲ 0.50% · 4.625%
HK$99,224
+HK$4,968/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$188,512/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,779
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,696
−HK$2,964/mo
Today · 4.125%
HK$99,660
baseline
▲ 0.50% · 4.625%
HK$105,724
+HK$6,064/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,320/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,329
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,127
−HK$2,838/mo
Today · 4.125%
HK$109,965
baseline
▲ 0.50% · 4.625%
HK$115,761
+HK$5,796/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,930/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,573
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$124,324
−HK$3,810/mo
Today · 4.125%
HK$128,134
baseline
▲ 0.50% · 4.625%
HK$135,931
+HK$7,797/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$256,268/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,137
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$137,734
−HK$3,650/mo
Today · 4.125%
HK$141,384
baseline
▲ 0.50% · 4.625%
HK$148,836
+HK$7,452/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$282,768/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,488 · Scale 2, in force from 26 Feb 2026)