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$66,861
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,941
−HK$2,113/mo
Today · 4.125%
HK$71,054
baseline
▲ 0.50% · 4.625%
HK$75,377
+HK$4,323/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,108/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,382
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,377
−HK$2,024/mo
Today · 4.125%
HK$78,401
baseline
▲ 0.50% · 4.625%
HK$82,534
+HK$4,133/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,802/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,233
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,729
−HK$2,536/mo
Today · 4.125%
HK$85,265
baseline
▲ 0.50% · 4.625%
HK$90,453
+HK$5,188/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$170,530/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,246,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,259
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,653
−HK$2,428/mo
Today · 4.125%
HK$94,081
baseline
▲ 0.50% · 4.625%
HK$99,040
+HK$4,959/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$188,162/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,246,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,605
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,517
−HK$2,958/mo
Today · 4.125%
HK$99,475
baseline
▲ 0.50% · 4.625%
HK$105,528
+HK$6,053/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$198,950/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,135
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,928
−HK$2,833/mo
Today · 4.125%
HK$109,761
baseline
▲ 0.50% · 4.625%
HK$115,547
+HK$5,786/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$219,522/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,350
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$124,093
−HK$3,804/mo
Today · 4.125%
HK$127,897
baseline
▲ 0.50% · 4.625%
HK$135,679
+HK$7,782/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$255,794/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,888
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$137,479
−HK$3,643/mo
Today · 4.125%
HK$141,122
baseline
▲ 0.50% · 4.625%
HK$148,560
+HK$7,438/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$282,244/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,174 · Scale 2, in force from 26 Feb 2026)