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$66,844
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,923
−HK$2,112/mo
Today · 4.125%
HK$71,035
baseline
▲ 0.50% · 4.625%
HK$75,358
+HK$4,323/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,070/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,363
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$76,357
−HK$2,024/mo
Today · 4.125%
HK$78,381
baseline
▲ 0.50% · 4.625%
HK$82,512
+HK$4,131/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,762/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,212
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,708
−HK$2,534/mo
Today · 4.125%
HK$85,242
baseline
▲ 0.50% · 4.625%
HK$90,429
+HK$5,187/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$170,484/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,236
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,629
−HK$2,428/mo
Today · 4.125%
HK$94,057
baseline
▲ 0.50% · 4.625%
HK$99,015
+HK$4,958/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$188,114/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,581
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,492
−HK$2,958/mo
Today · 4.125%
HK$99,450
baseline
▲ 0.50% · 4.625%
HK$105,501
+HK$6,051/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$198,900/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,108
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,900
−HK$2,833/mo
Today · 4.125%
HK$109,733
baseline
▲ 0.50% · 4.625%
HK$115,517
+HK$5,784/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$219,466/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,319
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,061
−HK$3,803/mo
Today · 4.125%
HK$127,864
baseline
▲ 0.50% · 4.625%
HK$135,644
+HK$7,780/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$255,728/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,853
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,443
−HK$3,642/mo
Today · 4.125%
HK$141,085
baseline
▲ 0.50% · 4.625%
HK$148,522
+HK$7,437/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$282,170/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,851 · Scale 2, in force from 26 Feb 2026)