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$66,948
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,031
−HK$2,115/mo
Today · 4.125%
HK$71,146
baseline
▲ 0.50% · 4.625%
HK$75,475
+HK$4,329/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,292/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,479
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,477
−HK$2,026/mo
Today · 4.125%
HK$78,503
baseline
▲ 0.50% · 4.625%
HK$82,641
+HK$4,138/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,006/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,338
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,837
−HK$2,539/mo
Today · 4.125%
HK$85,376
baseline
▲ 0.50% · 4.625%
HK$90,570
+HK$5,194/mo
Deposit HK$11.74M · loan HK$17.62M · min. income ≈ HK$170,752/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,375
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,772
−HK$2,431/mo
Today · 4.125%
HK$94,203
baseline
▲ 0.50% · 4.625%
HK$99,169
+HK$4,966/mo
Deposit HK$11.74M · loan HK$17.62M · min. income ≈ HK$188,406/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,727
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,643
−HK$2,962/mo
Today · 4.125%
HK$99,605
baseline
▲ 0.50% · 4.625%
HK$105,666
+HK$6,061/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,210/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,271
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,067
−HK$2,837/mo
Today · 4.125%
HK$109,904
baseline
▲ 0.50% · 4.625%
HK$115,697
+HK$5,793/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,808/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,506
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$124,255
−HK$3,808/mo
Today · 4.125%
HK$128,063
baseline
▲ 0.50% · 4.625%
HK$135,856
+HK$7,793/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,126/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,062
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,658
−HK$3,647/mo
Today · 4.125%
HK$141,305
baseline
▲ 0.50% · 4.625%
HK$148,754
+HK$7,449/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,610/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,795 · Scale 2, in force from 26 Feb 2026)