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$66,935
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,017
−HK$2,116/mo
Today · 4.125%
HK$71,133
baseline
▲ 0.50% · 4.625%
HK$75,461
+HK$4,328/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,266/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,465
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,462
−HK$2,026/mo
Today · 4.125%
HK$78,488
baseline
▲ 0.50% · 4.625%
HK$82,625
+HK$4,137/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$156,976/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,322
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,821
−HK$2,538/mo
Today · 4.125%
HK$85,359
baseline
▲ 0.50% · 4.625%
HK$90,553
+HK$5,194/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,718/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,358
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,754
−HK$2,432/mo
Today · 4.125%
HK$94,186
baseline
▲ 0.50% · 4.625%
HK$99,150
+HK$4,964/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,372/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,709
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,624
−HK$2,962/mo
Today · 4.125%
HK$99,586
baseline
▲ 0.50% · 4.625%
HK$105,645
+HK$6,059/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,172/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,251
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,047
−HK$2,836/mo
Today · 4.125%
HK$109,883
baseline
▲ 0.50% · 4.625%
HK$115,675
+HK$5,792/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,766/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,484
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,231
−HK$3,808/mo
Today · 4.125%
HK$128,039
baseline
▲ 0.50% · 4.625%
HK$135,830
+HK$7,791/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,078/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,037
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,632
−HK$3,646/mo
Today · 4.125%
HK$141,278
baseline
▲ 0.50% · 4.625%
HK$148,725
+HK$7,447/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,556/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,558 · Scale 2, in force from 26 Feb 2026)