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$66,955
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,038
−HK$2,116/mo
Today · 4.125%
HK$71,154
baseline
▲ 0.50% · 4.625%
HK$75,483
+HK$4,329/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,308/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,487
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,484
−HK$2,027/mo
Today · 4.125%
HK$78,511
baseline
▲ 0.50% · 4.625%
HK$82,649
+HK$4,138/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,022/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,346
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,845
−HK$2,539/mo
Today · 4.125%
HK$85,384
baseline
▲ 0.50% · 4.625%
HK$90,580
+HK$5,196/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$170,768/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,384
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,781
−HK$2,432/mo
Today · 4.125%
HK$94,213
baseline
▲ 0.50% · 4.625%
HK$99,179
+HK$4,966/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$188,426/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,737
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,653
−HK$2,962/mo
Today · 4.125%
HK$99,615
baseline
▲ 0.50% · 4.625%
HK$105,676
+HK$6,061/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,230/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,281
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,078
−HK$2,837/mo
Today · 4.125%
HK$109,915
baseline
▲ 0.50% · 4.625%
HK$115,709
+HK$5,794/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,830/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,519
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,268
−HK$3,809/mo
Today · 4.125%
HK$128,077
baseline
▲ 0.50% · 4.625%
HK$135,870
+HK$7,793/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$256,154/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,076
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$137,672
−HK$3,648/mo
Today · 4.125%
HK$141,320
baseline
▲ 0.50% · 4.625%
HK$148,769
+HK$7,449/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$282,640/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,925 · Scale 2, in force from 26 Feb 2026)