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$66,947
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,030
−HK$2,116/mo
Today · 4.125%
HK$71,146
baseline
▲ 0.50% · 4.625%
HK$75,475
+HK$4,329/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,292/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,478
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,476
−HK$2,026/mo
Today · 4.125%
HK$78,502
baseline
▲ 0.50% · 4.625%
HK$82,640
+HK$4,138/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,004/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,337
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,836
−HK$2,539/mo
Today · 4.125%
HK$85,375
baseline
▲ 0.50% · 4.625%
HK$90,570
+HK$5,195/mo
Deposit HK$11.74M · loan HK$17.62M · min. income ≈ HK$170,750/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,374
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,771
−HK$2,432/mo
Today · 4.125%
HK$94,203
baseline
▲ 0.50% · 4.625%
HK$99,168
+HK$4,965/mo
Deposit HK$11.74M · loan HK$17.62M · min. income ≈ HK$188,406/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,726
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,642
−HK$2,962/mo
Today · 4.125%
HK$99,604
baseline
▲ 0.50% · 4.625%
HK$105,664
+HK$6,060/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,208/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,270
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,066
−HK$2,837/mo
Today · 4.125%
HK$109,903
baseline
▲ 0.50% · 4.625%
HK$115,696
+HK$5,793/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,806/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,505
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$124,254
−HK$3,808/mo
Today · 4.125%
HK$128,062
baseline
▲ 0.50% · 4.625%
HK$135,854
+HK$7,792/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,124/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,061
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,656
−HK$3,648/mo
Today · 4.125%
HK$141,304
baseline
▲ 0.50% · 4.625%
HK$148,752
+HK$7,448/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,608/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,783 · Scale 2, in force from 26 Feb 2026)