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$66,801
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,879
−HK$2,111/mo
Today · 4.125%
HK$70,990
baseline
▲ 0.50% · 4.625%
HK$75,309
+HK$4,319/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,980/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,315
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,308
−HK$2,022/mo
Today · 4.125%
HK$78,330
baseline
▲ 0.50% · 4.625%
HK$82,459
+HK$4,129/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,660/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,161
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,654
−HK$2,534/mo
Today · 4.125%
HK$85,188
baseline
▲ 0.50% · 4.625%
HK$90,371
+HK$5,183/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,376/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,178
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,570
−HK$2,426/mo
Today · 4.125%
HK$93,996
baseline
▲ 0.50% · 4.625%
HK$98,951
+HK$4,955/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$187,992/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,521
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,430
−HK$2,956/mo
Today · 4.125%
HK$99,386
baseline
▲ 0.50% · 4.625%
HK$105,433
+HK$6,047/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,772/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,041
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,832
−HK$2,830/mo
Today · 4.125%
HK$109,662
baseline
▲ 0.50% · 4.625%
HK$115,443
+HK$5,781/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,324/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,241
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$123,982
−HK$3,800/mo
Today · 4.125%
HK$127,782
baseline
▲ 0.50% · 4.625%
HK$135,557
+HK$7,775/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$255,564/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,245,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,767
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,355
−HK$3,639/mo
Today · 4.125%
HK$140,994
baseline
▲ 0.50% · 4.625%
HK$148,426
+HK$7,432/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$281,988/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,245,051 · Scale 2, in force from 26 Feb 2026)