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$66,813
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,891
−HK$2,111/mo
Today · 4.125%
HK$71,002
baseline
▲ 0.50% · 4.625%
HK$75,323
+HK$4,321/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$142,004/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,328
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,322
−HK$2,022/mo
Today · 4.125%
HK$78,344
baseline
▲ 0.50% · 4.625%
HK$82,474
+HK$4,130/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,688/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,175
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,669
−HK$2,534/mo
Today · 4.125%
HK$85,203
baseline
▲ 0.50% · 4.625%
HK$90,387
+HK$5,184/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,406/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,194
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,586
−HK$2,427/mo
Today · 4.125%
HK$94,013
baseline
▲ 0.50% · 4.625%
HK$98,968
+HK$4,955/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,026/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,538
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,447
−HK$2,956/mo
Today · 4.125%
HK$99,403
baseline
▲ 0.50% · 4.625%
HK$105,452
+HK$6,049/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,806/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,060
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,851
−HK$2,831/mo
Today · 4.125%
HK$109,682
baseline
▲ 0.50% · 4.625%
HK$115,463
+HK$5,781/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,364/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,263
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$124,004
−HK$3,800/mo
Today · 4.125%
HK$127,804
baseline
▲ 0.50% · 4.625%
HK$135,581
+HK$7,777/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$255,608/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,791
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$137,379
−HK$3,640/mo
Today · 4.125%
HK$141,019
baseline
▲ 0.50% · 4.625%
HK$148,453
+HK$7,434/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$282,038/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,271 · Scale 2, in force from 26 Feb 2026)