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$66,938
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,020
−HK$2,115/mo
Today · 4.125%
HK$71,135
baseline
▲ 0.50% · 4.625%
HK$75,464
+HK$4,329/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,270/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,467
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,465
−HK$2,026/mo
Today · 4.125%
HK$78,491
baseline
▲ 0.50% · 4.625%
HK$82,628
+HK$4,137/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$156,982/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,325
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,824
−HK$2,538/mo
Today · 4.125%
HK$85,362
baseline
▲ 0.50% · 4.625%
HK$90,556
+HK$5,194/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,724/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,361
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,758
−HK$2,431/mo
Today · 4.125%
HK$94,189
baseline
▲ 0.50% · 4.625%
HK$99,154
+HK$4,965/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,378/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,713
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,628
−HK$2,961/mo
Today · 4.125%
HK$99,589
baseline
▲ 0.50% · 4.625%
HK$105,649
+HK$6,060/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,178/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,254
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,050
−HK$2,837/mo
Today · 4.125%
HK$109,887
baseline
▲ 0.50% · 4.625%
HK$115,679
+HK$5,792/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,774/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,488
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,236
−HK$3,807/mo
Today · 4.125%
HK$128,043
baseline
▲ 0.50% · 4.625%
HK$135,834
+HK$7,791/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,086/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,041
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,636
−HK$3,647/mo
Today · 4.125%
HK$141,283
baseline
▲ 0.50% · 4.625%
HK$148,730
+HK$7,447/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,566/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,601 · Scale 2, in force from 26 Feb 2026)