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$66,961
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,044
−HK$2,116/mo
Today · 4.125%
HK$71,160
baseline
▲ 0.50% · 4.625%
HK$75,490
+HK$4,330/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,320/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,494
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,492
−HK$2,026/mo
Today · 4.125%
HK$78,518
baseline
▲ 0.50% · 4.625%
HK$82,657
+HK$4,139/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,036/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,353
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,853
−HK$2,539/mo
Today · 4.125%
HK$85,392
baseline
▲ 0.50% · 4.625%
HK$90,588
+HK$5,196/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$170,784/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,248,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,392
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,790
−HK$2,432/mo
Today · 4.125%
HK$94,222
baseline
▲ 0.50% · 4.625%
HK$99,189
+HK$4,967/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$188,444/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,248,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,746
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,662
−HK$2,962/mo
Today · 4.125%
HK$99,624
baseline
▲ 0.50% · 4.625%
HK$105,686
+HK$6,062/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,248/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,291
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,088
−HK$2,838/mo
Today · 4.125%
HK$109,926
baseline
▲ 0.50% · 4.625%
HK$115,720
+HK$5,794/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,852/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,530
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,279
−HK$3,809/mo
Today · 4.125%
HK$128,088
baseline
▲ 0.50% · 4.625%
HK$135,882
+HK$7,794/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$256,176/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,248,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,089
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$137,685
−HK$3,648/mo
Today · 4.125%
HK$141,333
baseline
▲ 0.50% · 4.625%
HK$148,783
+HK$7,450/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$282,666/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,248,040 · Scale 2, in force from 26 Feb 2026)