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$66,536
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,606
−HK$2,103/mo
Today · 4.125%
HK$70,709
baseline
▲ 0.50% · 4.625%
HK$75,011
+HK$4,302/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,418/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,021
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,006
−HK$2,014/mo
Today · 4.125%
HK$78,020
baseline
▲ 0.50% · 4.625%
HK$82,132
+HK$4,112/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,040/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,843
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,327
−HK$2,523/mo
Today · 4.125%
HK$84,850
baseline
▲ 0.50% · 4.625%
HK$90,013
+HK$5,163/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$169,700/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,240,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,825
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,207
−HK$2,417/mo
Today · 4.125%
HK$93,624
baseline
▲ 0.50% · 4.625%
HK$98,559
+HK$4,935/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$187,248/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,240,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,151
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,048
−HK$2,944/mo
Today · 4.125%
HK$98,992
baseline
▲ 0.50% · 4.625%
HK$105,015
+HK$6,023/mo
Deposit HK$8.75M · loan HK$20.43M · min. income ≈ HK$197,984/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,240,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,629
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,408
−HK$2,820/mo
Today · 4.125%
HK$109,228
baseline
▲ 0.50% · 4.625%
HK$114,985
+HK$5,757/mo
Deposit HK$8.75M · loan HK$20.43M · min. income ≈ HK$218,456/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,240,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,765
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$123,490
−HK$3,785/mo
Today · 4.125%
HK$127,275
baseline
▲ 0.50% · 4.625%
HK$135,020
+HK$7,745/mo
Deposit HK$2.92M · loan HK$26.26M · min. income ≈ HK$254,550/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,237
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$136,811
−HK$3,625/mo
Today · 4.125%
HK$140,436
baseline
▲ 0.50% · 4.625%
HK$147,838
+HK$7,402/mo
Deposit HK$2.92M · loan HK$26.26M · min. income ≈ HK$280,872/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,119 · Scale 2, in force from 26 Feb 2026)