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$66,907
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,988
−HK$2,114/mo
Today · 4.125%
HK$71,102
baseline
▲ 0.50% · 4.625%
HK$75,429
+HK$4,327/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,204/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,433
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,429
−HK$2,025/mo
Today · 4.125%
HK$78,454
baseline
▲ 0.50% · 4.625%
HK$82,590
+HK$4,136/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,908/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,288
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,785
−HK$2,538/mo
Today · 4.125%
HK$85,323
baseline
▲ 0.50% · 4.625%
HK$90,514
+HK$5,191/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,646/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,247,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,320
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,715
−HK$2,430/mo
Today · 4.125%
HK$94,145
baseline
▲ 0.50% · 4.625%
HK$99,108
+HK$4,963/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,290/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,247,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,669
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,583
−HK$2,960/mo
Today · 4.125%
HK$99,543
baseline
▲ 0.50% · 4.625%
HK$105,600
+HK$6,057/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$199,086/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,206
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,001
−HK$2,835/mo
Today · 4.125%
HK$109,836
baseline
▲ 0.50% · 4.625%
HK$115,626
+HK$5,790/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$219,672/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,432
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$124,178
−HK$3,806/mo
Today · 4.125%
HK$127,984
baseline
▲ 0.50% · 4.625%
HK$135,772
+HK$7,788/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$255,968/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,979
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,573
−HK$3,645/mo
Today · 4.125%
HK$141,218
baseline
▲ 0.50% · 4.625%
HK$148,662
+HK$7,444/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$282,436/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,024 · Scale 2, in force from 26 Feb 2026)