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$66,813
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,891
−HK$2,112/mo
Today · 4.125%
HK$71,003
baseline
▲ 0.50% · 4.625%
HK$75,323
+HK$4,320/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$142,006/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,329
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,322
−HK$2,023/mo
Today · 4.125%
HK$78,345
baseline
▲ 0.50% · 4.625%
HK$82,474
+HK$4,129/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,690/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,176
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,670
−HK$2,533/mo
Today · 4.125%
HK$85,203
baseline
▲ 0.50% · 4.625%
HK$90,388
+HK$5,185/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,406/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,195
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,587
−HK$2,427/mo
Today · 4.125%
HK$94,014
baseline
▲ 0.50% · 4.625%
HK$98,969
+HK$4,955/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,028/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,538
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$96,448
−HK$2,956/mo
Today · 4.125%
HK$99,404
baseline
▲ 0.50% · 4.625%
HK$105,452
+HK$6,048/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,808/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,060
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,851
−HK$2,831/mo
Today · 4.125%
HK$109,682
baseline
▲ 0.50% · 4.625%
HK$115,464
+HK$5,782/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,364/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,264
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$124,004
−HK$3,801/mo
Today · 4.125%
HK$127,805
baseline
▲ 0.50% · 4.625%
HK$135,582
+HK$7,777/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$255,610/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,792
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$137,380
−HK$3,640/mo
Today · 4.125%
HK$141,020
baseline
▲ 0.50% · 4.625%
HK$148,454
+HK$7,434/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$282,040/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,280 · Scale 2, in force from 26 Feb 2026)