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$66,965
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,048
−HK$2,117/mo
Today · 4.125%
HK$71,165
baseline
▲ 0.50% · 4.625%
HK$75,495
+HK$4,330/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,330/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,498
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,496
−HK$2,027/mo
Today · 4.125%
HK$78,523
baseline
▲ 0.50% · 4.625%
HK$82,662
+HK$4,139/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,046/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,358
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,858
−HK$2,540/mo
Today · 4.125%
HK$85,398
baseline
▲ 0.50% · 4.625%
HK$90,594
+HK$5,196/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$170,796/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,398
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,796
−HK$2,432/mo
Today · 4.125%
HK$94,228
baseline
▲ 0.50% · 4.625%
HK$99,195
+HK$4,967/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$188,456/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,751
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,668
−HK$2,963/mo
Today · 4.125%
HK$99,631
baseline
▲ 0.50% · 4.625%
HK$105,693
+HK$6,062/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,262/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,298
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,095
−HK$2,837/mo
Today · 4.125%
HK$109,932
baseline
▲ 0.50% · 4.625%
HK$115,727
+HK$5,795/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,864/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,538
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,287
−HK$3,809/mo
Today · 4.125%
HK$128,096
baseline
▲ 0.50% · 4.625%
HK$135,891
+HK$7,795/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$256,192/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,248,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,097
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$137,693
−HK$3,649/mo
Today · 4.125%
HK$141,342
baseline
▲ 0.50% · 4.625%
HK$148,792
+HK$7,450/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$282,684/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,248,118 · Scale 2, in force from 26 Feb 2026)