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$66,948
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,031
−HK$2,116/mo
Today · 4.125%
HK$71,147
baseline
▲ 0.50% · 4.625%
HK$75,476
+HK$4,329/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,294/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,479
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,477
−HK$2,026/mo
Today · 4.125%
HK$78,503
baseline
▲ 0.50% · 4.625%
HK$82,641
+HK$4,138/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,006/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,338
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,837
−HK$2,539/mo
Today · 4.125%
HK$85,376
baseline
▲ 0.50% · 4.625%
HK$90,571
+HK$5,195/mo
Deposit HK$11.74M · loan HK$17.62M · min. income ≈ HK$170,752/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,375
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,772
−HK$2,432/mo
Today · 4.125%
HK$94,204
baseline
▲ 0.50% · 4.625%
HK$99,170
+HK$4,966/mo
Deposit HK$11.74M · loan HK$17.62M · min. income ≈ HK$188,408/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,728
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,643
−HK$2,962/mo
Today · 4.125%
HK$99,605
baseline
▲ 0.50% · 4.625%
HK$105,666
+HK$6,061/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$199,210/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,271
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,068
−HK$2,837/mo
Today · 4.125%
HK$109,905
baseline
▲ 0.50% · 4.625%
HK$115,698
+HK$5,793/mo
Deposit HK$8.81M · loan HK$20.55M · min. income ≈ HK$219,810/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,507
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$124,256
−HK$3,808/mo
Today · 4.125%
HK$128,064
baseline
▲ 0.50% · 4.625%
HK$135,856
+HK$7,792/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$256,128/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,063
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,658
−HK$3,648/mo
Today · 4.125%
HK$141,306
baseline
▲ 0.50% · 4.625%
HK$148,754
+HK$7,448/mo
Deposit HK$2.94M · loan HK$26.42M · min. income ≈ HK$282,612/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,802 · Scale 2, in force from 26 Feb 2026)