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$66,537
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,607
−HK$2,103/mo
Today · 4.125%
HK$70,710
baseline
▲ 0.50% · 4.625%
HK$75,012
+HK$4,302/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$141,420/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,022
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,007
−HK$2,014/mo
Today · 4.125%
HK$78,021
baseline
▲ 0.50% · 4.625%
HK$82,134
+HK$4,113/mo
Deposit HK$14.59M · loan HK$14.59M · min. income ≈ HK$156,042/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,240,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,845
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,328
−HK$2,524/mo
Today · 4.125%
HK$84,852
baseline
▲ 0.50% · 4.625%
HK$90,015
+HK$5,163/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$169,704/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,240,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,826
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,209
−HK$2,416/mo
Today · 4.125%
HK$93,625
baseline
▲ 0.50% · 4.625%
HK$98,561
+HK$4,936/mo
Deposit HK$11.67M · loan HK$17.51M · min. income ≈ HK$187,250/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,240,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,152
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$96,050
−HK$2,944/mo
Today · 4.125%
HK$98,994
baseline
▲ 0.50% · 4.625%
HK$105,017
+HK$6,023/mo
Deposit HK$8.75M · loan HK$20.43M · min. income ≈ HK$197,988/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,240,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,631
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,410
−HK$2,820/mo
Today · 4.125%
HK$109,230
baseline
▲ 0.50% · 4.625%
HK$114,987
+HK$5,757/mo
Deposit HK$8.75M · loan HK$20.43M · min. income ≈ HK$218,460/mo (50% DSR)
Upfront cash ≈ HK$9.99M (deposit + AVD stamp duty HK$1,240,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,767
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$123,492
−HK$3,785/mo
Today · 4.125%
HK$127,277
baseline
▲ 0.50% · 4.625%
HK$135,022
+HK$7,745/mo
Deposit HK$2.92M · loan HK$26.26M · min. income ≈ HK$254,554/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,240
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$136,813
−HK$3,625/mo
Today · 4.125%
HK$140,438
baseline
▲ 0.50% · 4.625%
HK$147,841
+HK$7,403/mo
Deposit HK$2.92M · loan HK$26.26M · min. income ≈ HK$280,876/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,240,138 · Scale 2, in force from 26 Feb 2026)