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$66,736
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,812
−HK$2,109/mo
Today · 4.125%
HK$70,921
baseline
▲ 0.50% · 4.625%
HK$75,236
+HK$4,315/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,842/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,243
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,234
−HK$2,020/mo
Today · 4.125%
HK$78,254
baseline
▲ 0.50% · 4.625%
HK$82,379
+HK$4,125/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,508/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,083
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,574
−HK$2,531/mo
Today · 4.125%
HK$85,105
baseline
▲ 0.50% · 4.625%
HK$90,283
+HK$5,178/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,210/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,091
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,481
−HK$2,424/mo
Today · 4.125%
HK$93,905
baseline
▲ 0.50% · 4.625%
HK$98,855
+HK$4,950/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,810/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,430
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,336
−HK$2,953/mo
Today · 4.125%
HK$99,289
baseline
▲ 0.50% · 4.625%
HK$105,330
+HK$6,041/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,578/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,940
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,728
−HK$2,828/mo
Today · 4.125%
HK$109,556
baseline
▲ 0.50% · 4.625%
HK$115,330
+HK$5,774/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,112/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,124
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$123,861
−HK$3,796/mo
Today · 4.125%
HK$127,657
baseline
▲ 0.50% · 4.625%
HK$135,425
+HK$7,768/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,314/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,637
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$137,221
−HK$3,636/mo
Today · 4.125%
HK$140,857
baseline
▲ 0.50% · 4.625%
HK$148,282
+HK$7,425/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,714/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,839 · Scale 2, in force from 26 Feb 2026)