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$66,848
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,927
−HK$2,112/mo
Today · 4.125%
HK$71,039
baseline
▲ 0.50% · 4.625%
HK$75,362
+HK$4,323/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,078/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,367
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,362
−HK$2,023/mo
Today · 4.125%
HK$78,385
baseline
▲ 0.50% · 4.625%
HK$82,517
+HK$4,132/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,770/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,217
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,712
−HK$2,535/mo
Today · 4.125%
HK$85,247
baseline
▲ 0.50% · 4.625%
HK$90,434
+HK$5,187/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$170,494/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,241
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,634
−HK$2,428/mo
Today · 4.125%
HK$94,062
baseline
▲ 0.50% · 4.625%
HK$99,020
+HK$4,958/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$188,124/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,587
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,498
−HK$2,957/mo
Today · 4.125%
HK$99,455
baseline
▲ 0.50% · 4.625%
HK$105,507
+HK$6,052/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$198,910/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,114
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,906
−HK$2,833/mo
Today · 4.125%
HK$109,739
baseline
▲ 0.50% · 4.625%
HK$115,524
+HK$5,785/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$219,478/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,326
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,068
−HK$3,803/mo
Today · 4.125%
HK$127,871
baseline
▲ 0.50% · 4.625%
HK$135,652
+HK$7,781/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$255,742/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,861
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,451
−HK$3,642/mo
Today · 4.125%
HK$141,093
baseline
▲ 0.50% · 4.625%
HK$148,530
+HK$7,437/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$282,186/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,922 · Scale 2, in force from 26 Feb 2026)