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$66,885
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,965
−HK$2,114/mo
Today · 4.125%
HK$71,079
baseline
▲ 0.50% · 4.625%
HK$75,404
+HK$4,325/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,158/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,408
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,404
−HK$2,024/mo
Today · 4.125%
HK$78,428
baseline
▲ 0.50% · 4.625%
HK$82,562
+HK$4,134/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,856/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,261
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,758
−HK$2,537/mo
Today · 4.125%
HK$85,295
baseline
▲ 0.50% · 4.625%
HK$90,485
+HK$5,190/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$170,590/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,290
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,685
−HK$2,429/mo
Today · 4.125%
HK$94,114
baseline
▲ 0.50% · 4.625%
HK$99,075
+HK$4,961/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$188,228/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,638
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$96,551
−HK$2,959/mo
Today · 4.125%
HK$99,510
baseline
▲ 0.50% · 4.625%
HK$105,565
+HK$6,055/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$199,020/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,172
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,966
−HK$2,834/mo
Today · 4.125%
HK$109,800
baseline
▲ 0.50% · 4.625%
HK$115,587
+HK$5,787/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$219,600/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,392
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$124,137
−HK$3,805/mo
Today · 4.125%
HK$127,942
baseline
▲ 0.50% · 4.625%
HK$135,727
+HK$7,785/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$255,884/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,935
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,527
−HK$3,644/mo
Today · 4.125%
HK$141,171
baseline
▲ 0.50% · 4.625%
HK$148,612
+HK$7,441/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$282,342/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,611 · Scale 2, in force from 26 Feb 2026)