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$4,201/mo
▼ 0.25% · 3.875%
HK$69,074
−HK$2,117/mo
Today · 4.125%
HK$71,191
baseline
▲ 0.50% · 4.625%
HK$75,523
+HK$4,332/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,382/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,526
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,525
−HK$2,027/mo
Today · 4.125%
HK$78,552
baseline
▲ 0.50% · 4.625%
HK$82,693
+HK$4,141/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$1,248,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,388
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,889
−HK$2,540/mo
Today · 4.125%
HK$85,429
baseline
▲ 0.50% · 4.625%
HK$90,627
+HK$5,198/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$170,858/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,431
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,830
−HK$2,433/mo
Today · 4.125%
HK$94,263
baseline
▲ 0.50% · 4.625%
HK$99,232
+HK$4,969/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$188,526/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,786
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,704
−HK$2,964/mo
Today · 4.125%
HK$99,668
baseline
▲ 0.50% · 4.625%
HK$105,732
+HK$6,064/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,336/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,336
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,135
−HK$2,838/mo
Today · 4.125%
HK$109,973
baseline
▲ 0.50% · 4.625%
HK$115,770
+HK$5,797/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,946/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,582
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$124,333
−HK$3,811/mo
Today · 4.125%
HK$128,144
baseline
▲ 0.50% · 4.625%
HK$135,941
+HK$7,797/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$256,288/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,147
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$137,744
−HK$3,650/mo
Today · 4.125%
HK$141,394
baseline
▲ 0.50% · 4.625%
HK$148,847
+HK$7,453/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$282,788/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,581 · Scale 2, in force from 26 Feb 2026)