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$66,849
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,928
−HK$2,113/mo
Today · 4.125%
HK$71,041
baseline
▲ 0.50% · 4.625%
HK$75,363
+HK$4,322/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,082/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,369
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,363
−HK$2,023/mo
Today · 4.125%
HK$78,386
baseline
▲ 0.50% · 4.625%
HK$82,518
+HK$4,132/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,772/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,218
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,714
−HK$2,535/mo
Today · 4.125%
HK$85,249
baseline
▲ 0.50% · 4.625%
HK$90,436
+HK$5,187/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$170,498/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,242
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,636
−HK$2,428/mo
Today · 4.125%
HK$94,064
baseline
▲ 0.50% · 4.625%
HK$99,022
+HK$4,958/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$188,128/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,588
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,499
−HK$2,958/mo
Today · 4.125%
HK$99,457
baseline
▲ 0.50% · 4.625%
HK$105,509
+HK$6,052/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$198,914/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,116
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,908
−HK$2,833/mo
Today · 4.125%
HK$109,741
baseline
▲ 0.50% · 4.625%
HK$115,526
+HK$5,785/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$219,482/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,328
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,071
−HK$3,802/mo
Today · 4.125%
HK$127,873
baseline
▲ 0.50% · 4.625%
HK$135,654
+HK$7,781/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$255,746/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,863
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$137,453
−HK$3,643/mo
Today · 4.125%
HK$141,096
baseline
▲ 0.50% · 4.625%
HK$148,533
+HK$7,437/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$282,192/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,944 · Scale 2, in force from 26 Feb 2026)