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$66,734
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$68,810
−HK$2,109/mo
Today · 4.125%
HK$70,919
baseline
▲ 0.50% · 4.625%
HK$75,234
+HK$4,315/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$141,838/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,241
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$76,232
−HK$2,020/mo
Today · 4.125%
HK$78,252
baseline
▲ 0.50% · 4.625%
HK$82,377
+HK$4,125/mo
Deposit HK$14.63M · loan HK$14.63M · min. income ≈ HK$156,504/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,243,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,081
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,572
−HK$2,531/mo
Today · 4.125%
HK$85,103
baseline
▲ 0.50% · 4.625%
HK$90,281
+HK$5,178/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$170,206/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,090
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,479
−HK$2,424/mo
Today · 4.125%
HK$93,903
baseline
▲ 0.50% · 4.625%
HK$98,853
+HK$4,950/mo
Deposit HK$11.71M · loan HK$17.56M · min. income ≈ HK$187,806/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,243,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,428
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,334
−HK$2,953/mo
Today · 4.125%
HK$99,287
baseline
▲ 0.50% · 4.625%
HK$105,328
+HK$6,041/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$198,574/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,938
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,725
−HK$2,828/mo
Today · 4.125%
HK$109,553
baseline
▲ 0.50% · 4.625%
HK$115,328
+HK$5,775/mo
Deposit HK$8.78M · loan HK$20.49M · min. income ≈ HK$219,106/mo (50% DSR)
Upfront cash ≈ HK$10.02M (deposit + AVD stamp duty HK$1,243,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,122
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$123,858
−HK$3,797/mo
Today · 4.125%
HK$127,655
baseline
▲ 0.50% · 4.625%
HK$135,422
+HK$7,767/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$255,310/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,634
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$137,218
−HK$3,636/mo
Today · 4.125%
HK$140,854
baseline
▲ 0.50% · 4.625%
HK$148,279
+HK$7,425/mo
Deposit HK$2.93M · loan HK$26.34M · min. income ≈ HK$281,708/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,243,812 · Scale 2, in force from 26 Feb 2026)