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$66,875
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,955
−HK$2,113/mo
Today · 4.125%
HK$71,068
baseline
▲ 0.50% · 4.625%
HK$75,393
+HK$4,325/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,136/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,397
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,393
−HK$2,024/mo
Today · 4.125%
HK$78,417
baseline
▲ 0.50% · 4.625%
HK$82,550
+HK$4,133/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,834/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,250
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,746
−HK$2,536/mo
Today · 4.125%
HK$85,282
baseline
▲ 0.50% · 4.625%
HK$90,471
+HK$5,189/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$170,564/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,277
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,671
−HK$2,429/mo
Today · 4.125%
HK$94,100
baseline
▲ 0.50% · 4.625%
HK$99,060
+HK$4,960/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$188,200/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,625
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,537
−HK$2,959/mo
Today · 4.125%
HK$99,496
baseline
▲ 0.50% · 4.625%
HK$105,550
+HK$6,054/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$198,992/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,156
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,950
−HK$2,834/mo
Today · 4.125%
HK$109,784
baseline
▲ 0.50% · 4.625%
HK$115,571
+HK$5,787/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$219,568/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,374
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,119
−HK$3,804/mo
Today · 4.125%
HK$127,923
baseline
▲ 0.50% · 4.625%
HK$135,707
+HK$7,784/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$255,846/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,915
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,507
−HK$3,643/mo
Today · 4.125%
HK$141,150
baseline
▲ 0.50% · 4.625%
HK$148,591
+HK$7,441/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$282,300/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,429 · Scale 2, in force from 26 Feb 2026)