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$66,903
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,984
−HK$2,114/mo
Today · 4.125%
HK$71,098
baseline
▲ 0.50% · 4.625%
HK$75,424
+HK$4,326/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,196/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,246,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,429
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,425
−HK$2,025/mo
Today · 4.125%
HK$78,450
baseline
▲ 0.50% · 4.625%
HK$82,585
+HK$4,135/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,900/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,246,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,283
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,781
−HK$2,537/mo
Today · 4.125%
HK$85,318
baseline
▲ 0.50% · 4.625%
HK$90,509
+HK$5,191/mo
Deposit HK$11.74M · loan HK$17.60M · min. income ≈ HK$170,636/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,314
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,710
−HK$2,430/mo
Today · 4.125%
HK$94,140
baseline
▲ 0.50% · 4.625%
HK$99,102
+HK$4,962/mo
Deposit HK$11.74M · loan HK$17.60M · min. income ≈ HK$188,280/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,664
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,577
−HK$2,960/mo
Today · 4.125%
HK$99,537
baseline
▲ 0.50% · 4.625%
HK$105,594
+HK$6,057/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$199,074/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,200
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$106,995
−HK$2,835/mo
Today · 4.125%
HK$109,830
baseline
▲ 0.50% · 4.625%
HK$115,619
+HK$5,789/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$219,660/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,425
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$124,171
−HK$3,806/mo
Today · 4.125%
HK$127,977
baseline
▲ 0.50% · 4.625%
HK$135,764
+HK$7,787/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$255,954/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,972
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$137,565
−HK$3,645/mo
Today · 4.125%
HK$141,210
baseline
▲ 0.50% · 4.625%
HK$148,653
+HK$7,443/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$282,420/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,951 · Scale 2, in force from 26 Feb 2026)