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$66,954
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,037
−HK$2,116/mo
Today · 4.125%
HK$71,153
baseline
▲ 0.50% · 4.625%
HK$75,482
+HK$4,329/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,306/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,486
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,484
−HK$2,026/mo
Today · 4.125%
HK$78,510
baseline
▲ 0.50% · 4.625%
HK$82,648
+HK$4,138/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,020/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,345
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,844
−HK$2,539/mo
Today · 4.125%
HK$85,383
baseline
▲ 0.50% · 4.625%
HK$90,579
+HK$5,196/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$170,766/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,383
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,780
−HK$2,432/mo
Today · 4.125%
HK$94,212
baseline
▲ 0.50% · 4.625%
HK$99,178
+HK$4,966/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$188,424/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,736
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,652
−HK$2,962/mo
Today · 4.125%
HK$99,614
baseline
▲ 0.50% · 4.625%
HK$105,675
+HK$6,061/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,228/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,280
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,077
−HK$2,837/mo
Today · 4.125%
HK$109,914
baseline
▲ 0.50% · 4.625%
HK$115,708
+HK$5,794/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,828/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,518
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$124,266
−HK$3,809/mo
Today · 4.125%
HK$128,075
baseline
▲ 0.50% · 4.625%
HK$135,868
+HK$7,793/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$256,150/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,075
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,670
−HK$3,648/mo
Today · 4.125%
HK$141,318
baseline
▲ 0.50% · 4.625%
HK$148,767
+HK$7,449/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$282,636/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,910 · Scale 2, in force from 26 Feb 2026)