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$66,922
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$69,003
−HK$2,115/mo
Today · 4.125%
HK$71,118
baseline
▲ 0.50% · 4.625%
HK$75,445
+HK$4,327/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,236/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,450
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,446
−HK$2,026/mo
Today · 4.125%
HK$78,472
baseline
▲ 0.50% · 4.625%
HK$82,608
+HK$4,136/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,944/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,306
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,804
−HK$2,538/mo
Today · 4.125%
HK$85,342
baseline
▲ 0.50% · 4.625%
HK$90,535
+HK$5,193/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,684/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,339
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,735
−HK$2,431/mo
Today · 4.125%
HK$94,166
baseline
▲ 0.50% · 4.625%
HK$99,130
+HK$4,964/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,332/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,690
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,604
−HK$2,961/mo
Today · 4.125%
HK$99,565
baseline
▲ 0.50% · 4.625%
HK$105,624
+HK$6,059/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$199,130/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,229
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,025
−HK$2,836/mo
Today · 4.125%
HK$109,861
baseline
▲ 0.50% · 4.625%
HK$115,651
+HK$5,790/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$219,722/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,459
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$124,206
−HK$3,807/mo
Today · 4.125%
HK$128,013
baseline
▲ 0.50% · 4.625%
HK$135,802
+HK$7,789/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$256,026/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,009
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$137,603
−HK$3,646/mo
Today · 4.125%
HK$141,249
baseline
▲ 0.50% · 4.625%
HK$148,695
+HK$7,446/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$282,498/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,301 · Scale 2, in force from 26 Feb 2026)