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$66,960
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,043
−HK$2,116/mo
Today · 4.125%
HK$71,159
baseline
▲ 0.50% · 4.625%
HK$75,489
+HK$4,330/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,318/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,493
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,491
−HK$2,026/mo
Today · 4.125%
HK$78,517
baseline
▲ 0.50% · 4.625%
HK$82,656
+HK$4,139/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,034/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,352
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,852
−HK$2,539/mo
Today · 4.125%
HK$85,391
baseline
▲ 0.50% · 4.625%
HK$90,587
+HK$5,196/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$170,782/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,248,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,391
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,789
−HK$2,432/mo
Today · 4.125%
HK$94,221
baseline
▲ 0.50% · 4.625%
HK$99,187
+HK$4,966/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$188,442/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,248,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,745
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,660
−HK$2,963/mo
Today · 4.125%
HK$99,623
baseline
▲ 0.50% · 4.625%
HK$105,685
+HK$6,062/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,246/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,290
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,087
−HK$2,837/mo
Today · 4.125%
HK$109,924
baseline
▲ 0.50% · 4.625%
HK$115,719
+HK$5,795/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,848/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,529
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,278
−HK$3,809/mo
Today · 4.125%
HK$128,087
baseline
▲ 0.50% · 4.625%
HK$135,881
+HK$7,794/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$256,174/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,248,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,087
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$137,683
−HK$3,648/mo
Today · 4.125%
HK$141,331
baseline
▲ 0.50% · 4.625%
HK$148,781
+HK$7,450/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$282,662/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,248,025 · Scale 2, in force from 26 Feb 2026)