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$66,733
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,809
−HK$2,109/mo
Today · 4.125%
HK$70,918
baseline
▲ 0.50% · 4.625%
HK$75,233
+HK$4,315/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,836/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,240
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,231
−HK$2,020/mo
Today · 4.125%
HK$78,251
baseline
▲ 0.50% · 4.625%
HK$82,376
+HK$4,125/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,502/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,080
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,571
−HK$2,531/mo
Today · 4.125%
HK$85,102
baseline
▲ 0.50% · 4.625%
HK$90,280
+HK$5,178/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,204/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,088
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,478
−HK$2,424/mo
Today · 4.125%
HK$93,902
baseline
▲ 0.50% · 4.625%
HK$98,851
+HK$4,949/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,804/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,427
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,333
−HK$2,953/mo
Today · 4.125%
HK$99,286
baseline
▲ 0.50% · 4.625%
HK$105,327
+HK$6,041/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,572/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,936
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,724
−HK$2,828/mo
Today · 4.125%
HK$109,552
baseline
▲ 0.50% · 4.625%
HK$115,326
+HK$5,774/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,104/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,120
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$123,857
−HK$3,796/mo
Today · 4.125%
HK$127,653
baseline
▲ 0.50% · 4.625%
HK$135,420
+HK$7,767/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,306/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,633
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$137,217
−HK$3,635/mo
Today · 4.125%
HK$140,852
baseline
▲ 0.50% · 4.625%
HK$148,277
+HK$7,425/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,704/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,796 · Scale 2, in force from 26 Feb 2026)