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$66,614
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,686
−HK$2,106/mo
Today · 4.125%
HK$70,792
baseline
▲ 0.50% · 4.625%
HK$75,099
+HK$4,307/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,584/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,108
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,095
−HK$2,017/mo
Today · 4.125%
HK$78,112
baseline
▲ 0.50% · 4.625%
HK$82,229
+HK$4,117/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,224/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,937
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,424
−HK$2,526/mo
Today · 4.125%
HK$84,950
baseline
▲ 0.50% · 4.625%
HK$90,119
+HK$5,169/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,900/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,929
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,314
−HK$2,420/mo
Today · 4.125%
HK$93,734
baseline
▲ 0.50% · 4.625%
HK$98,675
+HK$4,941/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,468/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,260
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$96,161
−HK$2,947/mo
Today · 4.125%
HK$99,108
baseline
▲ 0.50% · 4.625%
HK$105,139
+HK$6,031/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$198,216/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,751
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,533
−HK$2,823/mo
Today · 4.125%
HK$109,356
baseline
▲ 0.50% · 4.625%
HK$115,121
+HK$5,765/mo
Deposit HK$8.76M · loan HK$20.45M · min. income ≈ HK$218,712/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,906
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$123,636
−HK$3,789/mo
Today · 4.125%
HK$127,425
baseline
▲ 0.50% · 4.625%
HK$135,179
+HK$7,754/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$254,850/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,394
−HK$7,207/mo
▼ 0.25% · 3.875%
HK$136,972
−HK$3,629/mo
Today · 4.125%
HK$140,601
baseline
▲ 0.50% · 4.625%
HK$148,012
+HK$7,411/mo
Deposit HK$2.92M · loan HK$26.29M · min. income ≈ HK$281,202/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,576 · Scale 2, in force from 26 Feb 2026)