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$66,828
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,907
−HK$2,112/mo
Today · 4.125%
HK$71,019
baseline
▲ 0.50% · 4.625%
HK$75,340
+HK$4,321/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$142,038/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,346
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,340
−HK$2,022/mo
Today · 4.125%
HK$78,362
baseline
▲ 0.50% · 4.625%
HK$82,493
+HK$4,131/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,724/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,194
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,688
−HK$2,535/mo
Today · 4.125%
HK$85,223
baseline
▲ 0.50% · 4.625%
HK$90,408
+HK$5,185/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,446/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,215
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,608
−HK$2,427/mo
Today · 4.125%
HK$94,035
baseline
▲ 0.50% · 4.625%
HK$98,992
+HK$4,957/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,070/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,559
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,470
−HK$2,956/mo
Today · 4.125%
HK$99,426
baseline
▲ 0.50% · 4.625%
HK$105,476
+HK$6,050/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$198,852/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,084
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$106,875
−HK$2,832/mo
Today · 4.125%
HK$109,707
baseline
▲ 0.50% · 4.625%
HK$115,490
+HK$5,783/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$219,414/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,291
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,032
−HK$3,802/mo
Today · 4.125%
HK$127,834
baseline
▲ 0.50% · 4.625%
HK$135,612
+HK$7,778/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$255,668/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,822
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$137,411
−HK$3,641/mo
Today · 4.125%
HK$141,052
baseline
▲ 0.50% · 4.625%
HK$148,487
+HK$7,435/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$282,104/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,561 · Scale 2, in force from 26 Feb 2026)