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$66,837
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,916
−HK$2,113/mo
Today · 4.125%
HK$71,029
baseline
▲ 0.50% · 4.625%
HK$75,351
+HK$4,322/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,058/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,356
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,350
−HK$2,023/mo
Today · 4.125%
HK$78,373
baseline
▲ 0.50% · 4.625%
HK$82,504
+HK$4,131/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,746/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,205
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,700
−HK$2,534/mo
Today · 4.125%
HK$85,234
baseline
▲ 0.50% · 4.625%
HK$90,421
+HK$5,187/mo
Deposit HK$11.72M · loan HK$17.59M · min. income ≈ HK$170,468/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,227
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,620
−HK$2,428/mo
Today · 4.125%
HK$94,048
baseline
▲ 0.50% · 4.625%
HK$99,005
+HK$4,957/mo
Deposit HK$11.72M · loan HK$17.59M · min. income ≈ HK$188,096/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,572
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,483
−HK$2,957/mo
Today · 4.125%
HK$99,440
baseline
▲ 0.50% · 4.625%
HK$105,491
+HK$6,051/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$198,880/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,098
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,890
−HK$2,832/mo
Today · 4.125%
HK$109,722
baseline
▲ 0.50% · 4.625%
HK$115,506
+HK$5,784/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$219,444/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,307
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,050
−HK$3,802/mo
Today · 4.125%
HK$127,852
baseline
▲ 0.50% · 4.625%
HK$135,631
+HK$7,779/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$255,704/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,841
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$137,430
−HK$3,642/mo
Today · 4.125%
HK$141,072
baseline
▲ 0.50% · 4.625%
HK$148,508
+HK$7,436/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$282,144/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,733 · Scale 2, in force from 26 Feb 2026)