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$66,908
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,989
−HK$2,115/mo
Today · 4.125%
HK$71,104
baseline
▲ 0.50% · 4.625%
HK$75,430
+HK$4,326/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,208/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,435
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,431
−HK$2,025/mo
Today · 4.125%
HK$78,456
baseline
▲ 0.50% · 4.625%
HK$82,592
+HK$4,136/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,912/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,290
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,787
−HK$2,538/mo
Today · 4.125%
HK$85,325
baseline
▲ 0.50% · 4.625%
HK$90,516
+HK$5,191/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,650/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,247,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,322
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,717
−HK$2,430/mo
Today · 4.125%
HK$94,147
baseline
▲ 0.50% · 4.625%
HK$99,110
+HK$4,963/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,294/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,247,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,671
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,585
−HK$2,960/mo
Today · 4.125%
HK$99,545
baseline
▲ 0.50% · 4.625%
HK$105,603
+HK$6,058/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$199,090/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,208
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,003
−HK$2,836/mo
Today · 4.125%
HK$109,839
baseline
▲ 0.50% · 4.625%
HK$115,628
+HK$5,789/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$219,678/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,435
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$124,181
−HK$3,806/mo
Today · 4.125%
HK$127,987
baseline
▲ 0.50% · 4.625%
HK$135,775
+HK$7,788/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$255,974/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,982
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,576
−HK$3,645/mo
Today · 4.125%
HK$141,221
baseline
▲ 0.50% · 4.625%
HK$148,665
+HK$7,444/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$282,442/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,052 · Scale 2, in force from 26 Feb 2026)