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$66,845
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$68,925
−HK$2,112/mo
Today · 4.125%
HK$71,037
baseline
▲ 0.50% · 4.625%
HK$75,360
+HK$4,323/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$142,074/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,365
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,359
−HK$2,023/mo
Today · 4.125%
HK$78,382
baseline
▲ 0.50% · 4.625%
HK$82,514
+HK$4,132/mo
Deposit HK$14.66M · loan HK$14.66M · min. income ≈ HK$156,764/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,214
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,709
−HK$2,535/mo
Today · 4.125%
HK$85,244
baseline
▲ 0.50% · 4.625%
HK$90,431
+HK$5,187/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$170,488/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,238
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,631
−HK$2,428/mo
Today · 4.125%
HK$94,059
baseline
▲ 0.50% · 4.625%
HK$99,017
+HK$4,958/mo
Deposit HK$11.73M · loan HK$17.59M · min. income ≈ HK$188,118/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,583
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,494
−HK$2,958/mo
Today · 4.125%
HK$99,452
baseline
▲ 0.50% · 4.625%
HK$105,503
+HK$6,051/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$198,904/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,111
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,903
−HK$2,832/mo
Today · 4.125%
HK$109,735
baseline
▲ 0.50% · 4.625%
HK$115,520
+HK$5,785/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$219,470/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,322
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$124,064
−HK$3,803/mo
Today · 4.125%
HK$127,867
baseline
▲ 0.50% · 4.625%
HK$135,647
+HK$7,780/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$255,734/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,856
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,446
−HK$3,642/mo
Today · 4.125%
HK$141,088
baseline
▲ 0.50% · 4.625%
HK$148,525
+HK$7,437/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$282,176/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,880 · Scale 2, in force from 26 Feb 2026)