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$66,938
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,020
−HK$2,116/mo
Today · 4.125%
HK$71,136
baseline
▲ 0.50% · 4.625%
HK$75,464
+HK$4,328/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,272/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,468
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,465
−HK$2,026/mo
Today · 4.125%
HK$78,491
baseline
▲ 0.50% · 4.625%
HK$82,628
+HK$4,137/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$156,982/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,326
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,824
−HK$2,539/mo
Today · 4.125%
HK$85,363
baseline
▲ 0.50% · 4.625%
HK$90,557
+HK$5,194/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,726/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,361
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,758
−HK$2,431/mo
Today · 4.125%
HK$94,189
baseline
▲ 0.50% · 4.625%
HK$99,154
+HK$4,965/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,378/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,713
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,628
−HK$2,962/mo
Today · 4.125%
HK$99,590
baseline
▲ 0.50% · 4.625%
HK$105,650
+HK$6,060/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,180/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,255
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,051
−HK$2,836/mo
Today · 4.125%
HK$109,887
baseline
▲ 0.50% · 4.625%
HK$115,680
+HK$5,793/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,774/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,488
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,236
−HK$3,808/mo
Today · 4.125%
HK$128,044
baseline
▲ 0.50% · 4.625%
HK$135,835
+HK$7,791/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,088/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,042
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,637
−HK$3,647/mo
Today · 4.125%
HK$141,284
baseline
▲ 0.50% · 4.625%
HK$148,731
+HK$7,447/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,568/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,607 · Scale 2, in force from 26 Feb 2026)