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$66,912
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,993
−HK$2,115/mo
Today · 4.125%
HK$71,108
baseline
▲ 0.50% · 4.625%
HK$75,434
+HK$4,326/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,216/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,439
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,435
−HK$2,025/mo
Today · 4.125%
HK$78,460
baseline
▲ 0.50% · 4.625%
HK$82,596
+HK$4,136/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,920/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,294
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,792
−HK$2,537/mo
Today · 4.125%
HK$85,329
baseline
▲ 0.50% · 4.625%
HK$90,521
+HK$5,192/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,658/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,247,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,326
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,722
−HK$2,430/mo
Today · 4.125%
HK$94,152
baseline
▲ 0.50% · 4.625%
HK$99,115
+HK$4,963/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,304/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,247,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,676
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,590
−HK$2,961/mo
Today · 4.125%
HK$99,551
baseline
▲ 0.50% · 4.625%
HK$105,608
+HK$6,057/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$199,102/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,214
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,009
−HK$2,835/mo
Today · 4.125%
HK$109,844
baseline
▲ 0.50% · 4.625%
HK$115,634
+HK$5,790/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$219,688/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,441
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,188
−HK$3,806/mo
Today · 4.125%
HK$127,994
baseline
▲ 0.50% · 4.625%
HK$135,782
+HK$7,788/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$255,988/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,990
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,583
−HK$3,646/mo
Today · 4.125%
HK$141,229
baseline
▲ 0.50% · 4.625%
HK$148,673
+HK$7,444/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$282,458/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,118 · Scale 2, in force from 26 Feb 2026)