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$66,863
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,943
−HK$2,113/mo
Today · 4.125%
HK$71,056
baseline
▲ 0.50% · 4.625%
HK$75,380
+HK$4,324/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,112/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,385
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,380
−HK$2,024/mo
Today · 4.125%
HK$78,404
baseline
▲ 0.50% · 4.625%
HK$82,537
+HK$4,133/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,808/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,236
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,732
−HK$2,536/mo
Today · 4.125%
HK$85,268
baseline
▲ 0.50% · 4.625%
HK$90,456
+HK$5,188/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$170,536/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,262
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,656
−HK$2,428/mo
Today · 4.125%
HK$94,084
baseline
▲ 0.50% · 4.625%
HK$99,044
+HK$4,960/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$188,168/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,609
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,521
−HK$2,958/mo
Today · 4.125%
HK$99,479
baseline
▲ 0.50% · 4.625%
HK$105,532
+HK$6,053/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$198,958/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,139
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,932
−HK$2,833/mo
Today · 4.125%
HK$109,765
baseline
▲ 0.50% · 4.625%
HK$115,551
+HK$5,786/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$219,530/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,354
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,098
−HK$3,804/mo
Today · 4.125%
HK$127,902
baseline
▲ 0.50% · 4.625%
HK$135,684
+HK$7,782/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$255,804/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,893
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$137,484
−HK$3,643/mo
Today · 4.125%
HK$141,127
baseline
▲ 0.50% · 4.625%
HK$148,566
+HK$7,439/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$282,254/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,219 · Scale 2, in force from 26 Feb 2026)