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$66,932
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,014
−HK$2,116/mo
Today · 4.125%
HK$71,130
baseline
▲ 0.50% · 4.625%
HK$75,458
+HK$4,328/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,260/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,462
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,459
−HK$2,026/mo
Today · 4.125%
HK$78,485
baseline
▲ 0.50% · 4.625%
HK$82,622
+HK$4,137/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$156,970/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,319
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,817
−HK$2,539/mo
Today · 4.125%
HK$85,356
baseline
▲ 0.50% · 4.625%
HK$90,549
+HK$5,193/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,712/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,354
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,750
−HK$2,432/mo
Today · 4.125%
HK$94,182
baseline
▲ 0.50% · 4.625%
HK$99,146
+HK$4,964/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,364/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,705
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,620
−HK$2,962/mo
Today · 4.125%
HK$99,582
baseline
▲ 0.50% · 4.625%
HK$105,641
+HK$6,059/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,164/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,246
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,042
−HK$2,836/mo
Today · 4.125%
HK$109,878
baseline
▲ 0.50% · 4.625%
HK$115,670
+HK$5,792/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,756/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,478
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,226
−HK$3,807/mo
Today · 4.125%
HK$128,033
baseline
▲ 0.50% · 4.625%
HK$135,824
+HK$7,791/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,066/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,031
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,626
−HK$3,646/mo
Today · 4.125%
HK$141,272
baseline
▲ 0.50% · 4.625%
HK$148,719
+HK$7,447/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,544/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,505 · Scale 2, in force from 26 Feb 2026)