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$66,730
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,806
−HK$2,109/mo
Today · 4.125%
HK$70,915
baseline
▲ 0.50% · 4.625%
HK$75,230
+HK$4,315/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,830/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,237
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,228
−HK$2,020/mo
Today · 4.125%
HK$78,248
baseline
▲ 0.50% · 4.625%
HK$82,372
+HK$4,124/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,496/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,076
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,567
−HK$2,531/mo
Today · 4.125%
HK$85,098
baseline
▲ 0.50% · 4.625%
HK$90,276
+HK$5,178/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,196/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,084
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,473
−HK$2,424/mo
Today · 4.125%
HK$93,897
baseline
▲ 0.50% · 4.625%
HK$98,847
+HK$4,950/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,794/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,423
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,329
−HK$2,952/mo
Today · 4.125%
HK$99,281
baseline
▲ 0.50% · 4.625%
HK$105,322
+HK$6,041/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,562/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,932
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,719
−HK$2,828/mo
Today · 4.125%
HK$109,547
baseline
▲ 0.50% · 4.625%
HK$115,321
+HK$5,774/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,094/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,115
−HK$7,532/mo
▼ 0.25% · 3.875%
HK$123,851
−HK$3,796/mo
Today · 4.125%
HK$127,647
baseline
▲ 0.50% · 4.625%
HK$135,414
+HK$7,767/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,294/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,626
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$137,210
−HK$3,636/mo
Today · 4.125%
HK$140,846
baseline
▲ 0.50% · 4.625%
HK$148,270
+HK$7,424/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,692/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,738 · Scale 2, in force from 26 Feb 2026)