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$66,872
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,952
−HK$2,114/mo
Today · 4.125%
HK$71,066
baseline
▲ 0.50% · 4.625%
HK$75,390
+HK$4,324/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,132/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,395
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,390
−HK$2,024/mo
Today · 4.125%
HK$78,414
baseline
▲ 0.50% · 4.625%
HK$82,547
+HK$4,133/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,828/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,247
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,743
−HK$2,536/mo
Today · 4.125%
HK$85,279
baseline
▲ 0.50% · 4.625%
HK$90,468
+HK$5,189/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$170,558/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,273
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,668
−HK$2,429/mo
Today · 4.125%
HK$94,097
baseline
▲ 0.50% · 4.625%
HK$99,057
+HK$4,960/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$188,194/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,621
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,533
−HK$2,959/mo
Today · 4.125%
HK$99,492
baseline
▲ 0.50% · 4.625%
HK$105,546
+HK$6,054/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$198,984/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,152
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,946
−HK$2,833/mo
Today · 4.125%
HK$109,779
baseline
▲ 0.50% · 4.625%
HK$115,566
+HK$5,787/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$219,558/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,246,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,370
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,114
−HK$3,804/mo
Today · 4.125%
HK$127,918
baseline
▲ 0.50% · 4.625%
HK$135,702
+HK$7,784/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$255,836/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,910
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,502
−HK$3,643/mo
Today · 4.125%
HK$141,145
baseline
▲ 0.50% · 4.625%
HK$148,585
+HK$7,440/mo
Deposit HK$2.93M · loan HK$26.39M · min. income ≈ HK$282,290/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,380 · Scale 2, in force from 26 Feb 2026)