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$66,724
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$68,799
−HK$2,109/mo
Today · 4.125%
HK$70,908
baseline
▲ 0.50% · 4.625%
HK$75,222
+HK$4,314/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,816/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,229
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,220
−HK$2,020/mo
Today · 4.125%
HK$78,240
baseline
▲ 0.50% · 4.625%
HK$82,364
+HK$4,124/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,480/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,243,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,068
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,559
−HK$2,530/mo
Today · 4.125%
HK$85,089
baseline
▲ 0.50% · 4.625%
HK$90,267
+HK$5,178/mo
Deposit HK$11.70M · loan HK$17.56M · min. income ≈ HK$170,178/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,075
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,464
−HK$2,424/mo
Today · 4.125%
HK$93,888
baseline
▲ 0.50% · 4.625%
HK$98,837
+HK$4,949/mo
Deposit HK$11.70M · loan HK$17.56M · min. income ≈ HK$187,776/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,413
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,319
−HK$2,952/mo
Today · 4.125%
HK$99,271
baseline
▲ 0.50% · 4.625%
HK$105,311
+HK$6,040/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$198,542/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,921
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,708
−HK$2,828/mo
Today · 4.125%
HK$109,536
baseline
▲ 0.50% · 4.625%
HK$115,309
+HK$5,773/mo
Deposit HK$8.78M · loan HK$20.48M · min. income ≈ HK$219,072/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,103
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$123,838
−HK$3,796/mo
Today · 4.125%
HK$127,634
baseline
▲ 0.50% · 4.625%
HK$135,400
+HK$7,766/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,268/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,613
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$137,196
−HK$3,636/mo
Today · 4.125%
HK$140,832
baseline
▲ 0.50% · 4.625%
HK$148,255
+HK$7,423/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,664/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,612 · Scale 2, in force from 26 Feb 2026)