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$66,947
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,029
−HK$2,116/mo
Today · 4.125%
HK$71,145
baseline
▲ 0.50% · 4.625%
HK$75,474
+HK$4,329/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,290/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,477
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,475
−HK$2,026/mo
Today · 4.125%
HK$78,501
baseline
▲ 0.50% · 4.625%
HK$82,639
+HK$4,138/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,002/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,336
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,835
−HK$2,539/mo
Today · 4.125%
HK$85,374
baseline
▲ 0.50% · 4.625%
HK$90,568
+HK$5,194/mo
Deposit HK$11.74M · loan HK$17.62M · min. income ≈ HK$170,748/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,373
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,770
−HK$2,431/mo
Today · 4.125%
HK$94,201
baseline
▲ 0.50% · 4.625%
HK$99,167
+HK$4,966/mo
Deposit HK$11.74M · loan HK$17.62M · min. income ≈ HK$188,402/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,725
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,641
−HK$2,962/mo
Today · 4.125%
HK$99,603
baseline
▲ 0.50% · 4.625%
HK$105,663
+HK$6,060/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,206/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,268
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,065
−HK$2,837/mo
Today · 4.125%
HK$109,902
baseline
▲ 0.50% · 4.625%
HK$115,695
+HK$5,793/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,804/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,504
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,252
−HK$3,808/mo
Today · 4.125%
HK$128,060
baseline
▲ 0.50% · 4.625%
HK$135,853
+HK$7,793/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,120/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,059
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,655
−HK$3,647/mo
Today · 4.125%
HK$141,302
baseline
▲ 0.50% · 4.625%
HK$148,750
+HK$7,448/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,604/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,767 · Scale 2, in force from 26 Feb 2026)