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$66,830
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,908
−HK$2,112/mo
Today · 4.125%
HK$71,020
baseline
▲ 0.50% · 4.625%
HK$75,342
+HK$4,322/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$142,040/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,347
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,341
−HK$2,023/mo
Today · 4.125%
HK$78,364
baseline
▲ 0.50% · 4.625%
HK$82,495
+HK$4,131/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,728/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,195
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,690
−HK$2,534/mo
Today · 4.125%
HK$85,224
baseline
▲ 0.50% · 4.625%
HK$90,410
+HK$5,186/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,448/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,217
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,609
−HK$2,428/mo
Today · 4.125%
HK$94,037
baseline
▲ 0.50% · 4.625%
HK$98,993
+HK$4,956/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,074/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,561
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,472
−HK$2,956/mo
Today · 4.125%
HK$99,428
baseline
▲ 0.50% · 4.625%
HK$105,478
+HK$6,050/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$198,856/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,086
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$106,878
−HK$2,831/mo
Today · 4.125%
HK$109,709
baseline
▲ 0.50% · 4.625%
HK$115,492
+HK$5,783/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$219,418/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,293
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$124,035
−HK$3,802/mo
Today · 4.125%
HK$127,837
baseline
▲ 0.50% · 4.625%
HK$135,615
+HK$7,778/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$255,674/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,825
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$137,414
−HK$3,641/mo
Today · 4.125%
HK$141,055
baseline
▲ 0.50% · 4.625%
HK$148,490
+HK$7,435/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$282,110/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,586 · Scale 2, in force from 26 Feb 2026)