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$66,940
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,023
−HK$2,115/mo
Today · 4.125%
HK$71,138
baseline
▲ 0.50% · 4.625%
HK$75,467
+HK$4,329/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,276/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,471
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,468
−HK$2,026/mo
Today · 4.125%
HK$78,494
baseline
▲ 0.50% · 4.625%
HK$82,631
+HK$4,137/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$156,988/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,329
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,827
−HK$2,539/mo
Today · 4.125%
HK$85,366
baseline
▲ 0.50% · 4.625%
HK$90,560
+HK$5,194/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,732/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,365
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,761
−HK$2,432/mo
Today · 4.125%
HK$94,193
baseline
▲ 0.50% · 4.625%
HK$99,158
+HK$4,965/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,386/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,717
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,632
−HK$2,961/mo
Today · 4.125%
HK$99,593
baseline
▲ 0.50% · 4.625%
HK$105,653
+HK$6,060/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,186/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,259
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,055
−HK$2,837/mo
Today · 4.125%
HK$109,892
baseline
▲ 0.50% · 4.625%
HK$115,684
+HK$5,792/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,784/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,493
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,241
−HK$3,808/mo
Today · 4.125%
HK$128,049
baseline
▲ 0.50% · 4.625%
HK$135,840
+HK$7,791/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,098/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,047
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,642
−HK$3,647/mo
Today · 4.125%
HK$141,289
baseline
▲ 0.50% · 4.625%
HK$148,737
+HK$7,448/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,578/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,653 · Scale 2, in force from 26 Feb 2026)