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$66,823
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$68,901
−HK$2,112/mo
Today · 4.125%
HK$71,013
baseline
▲ 0.50% · 4.625%
HK$75,334
+HK$4,321/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$142,026/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,340
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,334
−HK$2,022/mo
Today · 4.125%
HK$78,356
baseline
▲ 0.50% · 4.625%
HK$82,486
+HK$4,130/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,712/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,187
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,682
−HK$2,534/mo
Today · 4.125%
HK$85,216
baseline
▲ 0.50% · 4.625%
HK$90,401
+HK$5,185/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,432/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,208
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,600
−HK$2,427/mo
Today · 4.125%
HK$94,027
baseline
▲ 0.50% · 4.625%
HK$98,984
+HK$4,957/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,054/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,552
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,462
−HK$2,957/mo
Today · 4.125%
HK$99,419
baseline
▲ 0.50% · 4.625%
HK$105,468
+HK$6,049/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,838/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,076
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$106,867
−HK$2,832/mo
Today · 4.125%
HK$109,699
baseline
▲ 0.50% · 4.625%
HK$115,481
+HK$5,782/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,398/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,281
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,023
−HK$3,801/mo
Today · 4.125%
HK$127,824
baseline
▲ 0.50% · 4.625%
HK$135,602
+HK$7,778/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$255,648/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,812
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$137,400
−HK$3,641/mo
Today · 4.125%
HK$141,041
baseline
▲ 0.50% · 4.625%
HK$148,476
+HK$7,435/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$282,082/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,463 · Scale 2, in force from 26 Feb 2026)