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$66,904
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,986
−HK$2,114/mo
Today · 4.125%
HK$71,100
baseline
▲ 0.50% · 4.625%
HK$75,426
+HK$4,326/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,200/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,246,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,431
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,427
−HK$2,025/mo
Today · 4.125%
HK$78,452
baseline
▲ 0.50% · 4.625%
HK$82,587
+HK$4,135/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,904/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,246,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,285
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,783
−HK$2,537/mo
Today · 4.125%
HK$85,320
baseline
▲ 0.50% · 4.625%
HK$90,511
+HK$5,191/mo
Deposit HK$11.74M · loan HK$17.60M · min. income ≈ HK$170,640/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,317
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,712
−HK$2,430/mo
Today · 4.125%
HK$94,142
baseline
▲ 0.50% · 4.625%
HK$99,104
+HK$4,962/mo
Deposit HK$11.74M · loan HK$17.60M · min. income ≈ HK$188,284/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,666
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,580
−HK$2,960/mo
Today · 4.125%
HK$99,540
baseline
▲ 0.50% · 4.625%
HK$105,597
+HK$6,057/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$199,080/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,203
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,997
−HK$2,835/mo
Today · 4.125%
HK$109,832
baseline
▲ 0.50% · 4.625%
HK$115,622
+HK$5,790/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$219,664/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,428
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$124,174
−HK$3,806/mo
Today · 4.125%
HK$127,980
baseline
▲ 0.50% · 4.625%
HK$135,767
+HK$7,787/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$255,960/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,975
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$137,568
−HK$3,645/mo
Today · 4.125%
HK$141,213
baseline
▲ 0.50% · 4.625%
HK$148,657
+HK$7,444/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$282,426/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,983 · Scale 2, in force from 26 Feb 2026)