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$66,897
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,978
−HK$2,114/mo
Today · 4.125%
HK$71,092
baseline
▲ 0.50% · 4.625%
HK$75,418
+HK$4,326/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,184/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,246,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,423
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,419
−HK$2,024/mo
Today · 4.125%
HK$78,443
baseline
▲ 0.50% · 4.625%
HK$82,578
+HK$4,135/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,886/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,246,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,277
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,774
−HK$2,537/mo
Today · 4.125%
HK$85,311
baseline
▲ 0.50% · 4.625%
HK$90,502
+HK$5,191/mo
Deposit HK$11.74M · loan HK$17.60M · min. income ≈ HK$170,622/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,307
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,702
−HK$2,430/mo
Today · 4.125%
HK$94,132
baseline
▲ 0.50% · 4.625%
HK$99,094
+HK$4,962/mo
Deposit HK$11.74M · loan HK$17.60M · min. income ≈ HK$188,264/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,656
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,570
−HK$2,959/mo
Today · 4.125%
HK$99,529
baseline
▲ 0.50% · 4.625%
HK$105,585
+HK$6,056/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$199,058/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,192
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,986
−HK$2,835/mo
Today · 4.125%
HK$109,821
baseline
▲ 0.50% · 4.625%
HK$115,610
+HK$5,789/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$219,642/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,415
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$124,161
−HK$3,805/mo
Today · 4.125%
HK$127,966
baseline
▲ 0.50% · 4.625%
HK$135,753
+HK$7,787/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$255,932/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,961
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,553
−HK$3,645/mo
Today · 4.125%
HK$141,198
baseline
▲ 0.50% · 4.625%
HK$148,641
+HK$7,443/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$282,396/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,850 · Scale 2, in force from 26 Feb 2026)