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$66,988
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,072
−HK$2,117/mo
Today · 4.125%
HK$71,189
baseline
▲ 0.50% · 4.625%
HK$75,521
+HK$4,332/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,378/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,524
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,522
−HK$2,028/mo
Today · 4.125%
HK$78,550
baseline
▲ 0.50% · 4.625%
HK$82,690
+HK$4,140/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,100/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,386
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,886
−HK$2,541/mo
Today · 4.125%
HK$85,427
baseline
▲ 0.50% · 4.625%
HK$90,625
+HK$5,198/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$170,854/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,428
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,827
−HK$2,433/mo
Today · 4.125%
HK$94,260
baseline
▲ 0.50% · 4.625%
HK$99,229
+HK$4,969/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$188,520/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,783
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,701
−HK$2,964/mo
Today · 4.125%
HK$99,665
baseline
▲ 0.50% · 4.625%
HK$105,729
+HK$6,064/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,330/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,333
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,131
−HK$2,839/mo
Today · 4.125%
HK$109,970
baseline
▲ 0.50% · 4.625%
HK$115,767
+HK$5,797/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,940/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,579
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$124,329
−HK$3,811/mo
Today · 4.125%
HK$128,140
baseline
▲ 0.50% · 4.625%
HK$135,937
+HK$7,797/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$256,280/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,143
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$137,740
−HK$3,650/mo
Today · 4.125%
HK$141,390
baseline
▲ 0.50% · 4.625%
HK$148,843
+HK$7,453/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$282,780/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,544 · Scale 2, in force from 26 Feb 2026)