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$66,869
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,949
−HK$2,113/mo
Today · 4.125%
HK$71,062
baseline
▲ 0.50% · 4.625%
HK$75,386
+HK$4,324/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,124/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,391
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,386
−HK$2,024/mo
Today · 4.125%
HK$78,410
baseline
▲ 0.50% · 4.625%
HK$82,543
+HK$4,133/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,820/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,243
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,739
−HK$2,536/mo
Today · 4.125%
HK$85,275
baseline
▲ 0.50% · 4.625%
HK$90,463
+HK$5,188/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$170,550/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,269
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,663
−HK$2,429/mo
Today · 4.125%
HK$94,092
baseline
▲ 0.50% · 4.625%
HK$99,052
+HK$4,960/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$188,184/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,616
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,528
−HK$2,959/mo
Today · 4.125%
HK$99,487
baseline
▲ 0.50% · 4.625%
HK$105,541
+HK$6,054/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$198,974/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,147
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,941
−HK$2,833/mo
Today · 4.125%
HK$109,774
baseline
▲ 0.50% · 4.625%
HK$115,560
+HK$5,786/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$219,548/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,364
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,108
−HK$3,804/mo
Today · 4.125%
HK$127,912
baseline
▲ 0.50% · 4.625%
HK$135,695
+HK$7,783/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$255,824/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,904
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$137,495
−HK$3,643/mo
Today · 4.125%
HK$141,138
baseline
▲ 0.50% · 4.625%
HK$148,578
+HK$7,440/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$282,276/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,320 · Scale 2, in force from 26 Feb 2026)