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$66,945
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,028
−HK$2,115/mo
Today · 4.125%
HK$71,143
baseline
▲ 0.50% · 4.625%
HK$75,472
+HK$4,329/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,286/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,476
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,473
−HK$2,027/mo
Today · 4.125%
HK$78,500
baseline
▲ 0.50% · 4.625%
HK$82,637
+HK$4,137/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,000/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,334
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,833
−HK$2,539/mo
Today · 4.125%
HK$85,372
baseline
▲ 0.50% · 4.625%
HK$90,567
+HK$5,195/mo
Deposit HK$11.74M · loan HK$17.62M · min. income ≈ HK$170,744/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,371
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,768
−HK$2,432/mo
Today · 4.125%
HK$94,200
baseline
▲ 0.50% · 4.625%
HK$99,165
+HK$4,965/mo
Deposit HK$11.74M · loan HK$17.62M · min. income ≈ HK$188,400/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,723
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,639
−HK$2,962/mo
Today · 4.125%
HK$99,601
baseline
▲ 0.50% · 4.625%
HK$105,661
+HK$6,060/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,202/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,266
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,063
−HK$2,837/mo
Today · 4.125%
HK$109,900
baseline
▲ 0.50% · 4.625%
HK$115,692
+HK$5,792/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,800/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,502
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,250
−HK$3,808/mo
Today · 4.125%
HK$128,058
baseline
▲ 0.50% · 4.625%
HK$135,850
+HK$7,792/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,116/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,057
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,652
−HK$3,647/mo
Today · 4.125%
HK$141,299
baseline
▲ 0.50% · 4.625%
HK$148,747
+HK$7,448/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,598/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,744 · Scale 2, in force from 26 Feb 2026)