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$66,850
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,929
−HK$2,113/mo
Today · 4.125%
HK$71,042
baseline
▲ 0.50% · 4.625%
HK$75,365
+HK$4,323/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,084/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,370
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,364
−HK$2,024/mo
Today · 4.125%
HK$78,388
baseline
▲ 0.50% · 4.625%
HK$82,520
+HK$4,132/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,776/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,220
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,715
−HK$2,535/mo
Today · 4.125%
HK$85,250
baseline
▲ 0.50% · 4.625%
HK$90,438
+HK$5,188/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$170,500/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,244
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,637
−HK$2,428/mo
Today · 4.125%
HK$94,065
baseline
▲ 0.50% · 4.625%
HK$99,024
+HK$4,959/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$188,130/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,590
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,501
−HK$2,958/mo
Today · 4.125%
HK$99,459
baseline
▲ 0.50% · 4.625%
HK$105,511
+HK$6,052/mo
Deposit HK$8.80M · loan HK$20.52M · min. income ≈ HK$198,918/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,118
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,910
−HK$2,833/mo
Today · 4.125%
HK$109,743
baseline
▲ 0.50% · 4.625%
HK$115,528
+HK$5,785/mo
Deposit HK$8.80M · loan HK$20.52M · min. income ≈ HK$219,486/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,330
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$124,073
−HK$3,803/mo
Today · 4.125%
HK$127,876
baseline
▲ 0.50% · 4.625%
HK$135,657
+HK$7,781/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$255,752/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,866
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,456
−HK$3,642/mo
Today · 4.125%
HK$141,098
baseline
▲ 0.50% · 4.625%
HK$148,536
+HK$7,438/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$282,196/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,966 · Scale 2, in force from 26 Feb 2026)