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$66,842
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,922
−HK$2,112/mo
Today · 4.125%
HK$71,034
baseline
▲ 0.50% · 4.625%
HK$75,356
+HK$4,322/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,068/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,362
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,356
−HK$2,023/mo
Today · 4.125%
HK$78,379
baseline
▲ 0.50% · 4.625%
HK$82,511
+HK$4,132/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,758/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,211
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,706
−HK$2,535/mo
Today · 4.125%
HK$85,241
baseline
▲ 0.50% · 4.625%
HK$90,428
+HK$5,187/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$170,482/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,234
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,627
−HK$2,428/mo
Today · 4.125%
HK$94,055
baseline
▲ 0.50% · 4.625%
HK$99,013
+HK$4,958/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$188,110/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,579
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,490
−HK$2,958/mo
Today · 4.125%
HK$99,448
baseline
▲ 0.50% · 4.625%
HK$105,499
+HK$6,051/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$198,896/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,106
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,898
−HK$2,833/mo
Today · 4.125%
HK$109,731
baseline
▲ 0.50% · 4.625%
HK$115,515
+HK$5,784/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$219,462/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,316
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,059
−HK$3,802/mo
Today · 4.125%
HK$127,861
baseline
▲ 0.50% · 4.625%
HK$135,641
+HK$7,780/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$255,722/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,851
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$137,441
−HK$3,641/mo
Today · 4.125%
HK$141,082
baseline
▲ 0.50% · 4.625%
HK$148,519
+HK$7,437/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$282,164/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,828 · Scale 2, in force from 26 Feb 2026)