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$66,778
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,855
−HK$2,110/mo
Today · 4.125%
HK$70,965
baseline
▲ 0.50% · 4.625%
HK$75,283
+HK$4,318/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,930/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,290
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,282
−HK$2,021/mo
Today · 4.125%
HK$78,303
baseline
▲ 0.50% · 4.625%
HK$82,431
+HK$4,128/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,606/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,244,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,133
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,626
−HK$2,532/mo
Today · 4.125%
HK$85,158
baseline
▲ 0.50% · 4.625%
HK$90,340
+HK$5,182/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$170,316/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,147
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,538
−HK$2,426/mo
Today · 4.125%
HK$93,964
baseline
▲ 0.50% · 4.625%
HK$98,917
+HK$4,953/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$187,928/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,489
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,397
−HK$2,954/mo
Today · 4.125%
HK$99,351
baseline
▲ 0.50% · 4.625%
HK$105,397
+HK$6,046/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$198,702/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,005
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,795
−HK$2,830/mo
Today · 4.125%
HK$109,625
baseline
▲ 0.50% · 4.625%
HK$115,403
+HK$5,778/mo
Deposit HK$8.79M · loan HK$20.50M · min. income ≈ HK$219,250/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,200
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$123,939
−HK$3,799/mo
Today · 4.125%
HK$127,738
baseline
▲ 0.50% · 4.625%
HK$135,510
+HK$7,772/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$255,476/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,721
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$137,308
−HK$3,638/mo
Today · 4.125%
HK$140,946
baseline
▲ 0.50% · 4.625%
HK$148,375
+HK$7,429/mo
Deposit HK$2.93M · loan HK$26.36M · min. income ≈ HK$281,892/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,621 · Scale 2, in force from 26 Feb 2026)