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$66,898
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,979
−HK$2,114/mo
Today · 4.125%
HK$71,093
baseline
▲ 0.50% · 4.625%
HK$75,419
+HK$4,326/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,186/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,246,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,423
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,419
−HK$2,025/mo
Today · 4.125%
HK$78,444
baseline
▲ 0.50% · 4.625%
HK$82,579
+HK$4,135/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,888/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,246,859 · 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$1,246,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,308
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,703
−HK$2,430/mo
Today · 4.125%
HK$94,133
baseline
▲ 0.50% · 4.625%
HK$99,095
+HK$4,962/mo
Deposit HK$11.74M · loan HK$17.60M · min. income ≈ HK$188,266/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,657
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,570
−HK$2,960/mo
Today · 4.125%
HK$99,530
baseline
▲ 0.50% · 4.625%
HK$105,586
+HK$6,056/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$199,060/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,192
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$106,987
−HK$2,835/mo
Today · 4.125%
HK$109,822
baseline
▲ 0.50% · 4.625%
HK$115,610
+HK$5,788/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$219,644/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,416
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$124,162
−HK$3,805/mo
Today · 4.125%
HK$127,967
baseline
▲ 0.50% · 4.625%
HK$135,754
+HK$7,787/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$255,934/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,962
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,554
−HK$3,645/mo
Today · 4.125%
HK$141,199
baseline
▲ 0.50% · 4.625%
HK$148,642
+HK$7,443/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$282,398/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,859 · Scale 2, in force from 26 Feb 2026)