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$66,929
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,011
−HK$2,115/mo
Today · 4.125%
HK$71,126
baseline
▲ 0.50% · 4.625%
HK$75,454
+HK$4,328/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,252/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,458
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,455
−HK$2,026/mo
Today · 4.125%
HK$78,481
baseline
▲ 0.50% · 4.625%
HK$82,617
+HK$4,136/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$156,962/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,315
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,813
−HK$2,538/mo
Today · 4.125%
HK$85,351
baseline
▲ 0.50% · 4.625%
HK$90,545
+HK$5,194/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,702/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,349
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,746
−HK$2,431/mo
Today · 4.125%
HK$94,177
baseline
▲ 0.50% · 4.625%
HK$99,141
+HK$4,964/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,354/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,701
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,615
−HK$2,962/mo
Today · 4.125%
HK$99,577
baseline
▲ 0.50% · 4.625%
HK$105,635
+HK$6,058/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,154/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,241
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,037
−HK$2,836/mo
Today · 4.125%
HK$109,873
baseline
▲ 0.50% · 4.625%
HK$115,664
+HK$5,791/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,746/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,472
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,220
−HK$3,807/mo
Today · 4.125%
HK$128,027
baseline
▲ 0.50% · 4.625%
HK$135,817
+HK$7,790/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,054/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,024
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,619
−HK$3,646/mo
Today · 4.125%
HK$141,265
baseline
▲ 0.50% · 4.625%
HK$148,711
+HK$7,446/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,530/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,441 · Scale 2, in force from 26 Feb 2026)