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$66,764
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,841
−HK$2,110/mo
Today · 4.125%
HK$70,951
baseline
▲ 0.50% · 4.625%
HK$75,268
+HK$4,317/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$141,902/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,275
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$76,267
−HK$2,020/mo
Today · 4.125%
HK$78,287
baseline
▲ 0.50% · 4.625%
HK$82,414
+HK$4,127/mo
Deposit HK$14.64M · loan HK$14.64M · min. income ≈ HK$156,574/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,244,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,117
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,609
−HK$2,532/mo
Today · 4.125%
HK$85,141
baseline
▲ 0.50% · 4.625%
HK$90,322
+HK$5,181/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$170,282/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,130
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,520
−HK$2,425/mo
Today · 4.125%
HK$93,945
baseline
▲ 0.50% · 4.625%
HK$98,897
+HK$4,952/mo
Deposit HK$11.71M · loan HK$17.57M · min. income ≈ HK$187,890/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,244,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,470
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$96,377
−HK$2,954/mo
Today · 4.125%
HK$99,331
baseline
▲ 0.50% · 4.625%
HK$105,375
+HK$6,044/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$198,662/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,984
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,773
−HK$2,829/mo
Today · 4.125%
HK$109,602
baseline
▲ 0.50% · 4.625%
HK$115,380
+HK$5,778/mo
Deposit HK$8.78M · loan HK$20.50M · min. income ≈ HK$219,204/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,244,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,176
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,914
−HK$3,798/mo
Today · 4.125%
HK$127,712
baseline
▲ 0.50% · 4.625%
HK$135,483
+HK$7,771/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$255,424/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,694
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,280
−HK$3,637/mo
Today · 4.125%
HK$140,917
baseline
▲ 0.50% · 4.625%
HK$148,345
+HK$7,428/mo
Deposit HK$2.93M · loan HK$26.35M · min. income ≈ HK$281,834/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,244,370 · Scale 2, in force from 26 Feb 2026)