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$66,626
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$68,698
−HK$2,106/mo
Today · 4.125%
HK$70,804
baseline
▲ 0.50% · 4.625%
HK$75,112
+HK$4,308/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,608/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,120
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,108
−HK$2,017/mo
Today · 4.125%
HK$78,125
baseline
▲ 0.50% · 4.625%
HK$82,243
+HK$4,118/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,250/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,951
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,438
−HK$2,527/mo
Today · 4.125%
HK$84,965
baseline
▲ 0.50% · 4.625%
HK$90,134
+HK$5,169/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$169,930/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,945
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,330
−HK$2,420/mo
Today · 4.125%
HK$93,750
baseline
▲ 0.50% · 4.625%
HK$98,692
+HK$4,942/mo
Deposit HK$11.69M · loan HK$17.53M · min. income ≈ HK$187,500/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,276
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,177
−HK$2,948/mo
Today · 4.125%
HK$99,125
baseline
▲ 0.50% · 4.625%
HK$105,157
+HK$6,032/mo
Deposit HK$8.77M · loan HK$20.45M · min. income ≈ HK$198,250/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,769
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,552
−HK$2,823/mo
Today · 4.125%
HK$109,375
baseline
▲ 0.50% · 4.625%
HK$115,140
+HK$5,765/mo
Deposit HK$8.77M · loan HK$20.45M · min. income ≈ HK$218,750/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,926
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$123,657
−HK$3,790/mo
Today · 4.125%
HK$127,447
baseline
▲ 0.50% · 4.625%
HK$135,202
+HK$7,755/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$254,894/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,417
−HK$7,208/mo
▼ 0.25% · 3.875%
HK$136,995
−HK$3,630/mo
Today · 4.125%
HK$140,625
baseline
▲ 0.50% · 4.625%
HK$148,037
+HK$7,412/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$281,250/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,241,788 · Scale 2, in force from 26 Feb 2026)