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$66,889
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,970
−HK$2,114/mo
Today · 4.125%
HK$71,084
baseline
▲ 0.50% · 4.625%
HK$75,409
+HK$4,325/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,168/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,414
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,409
−HK$2,025/mo
Today · 4.125%
HK$78,434
baseline
▲ 0.50% · 4.625%
HK$82,568
+HK$4,134/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,868/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,267
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,764
−HK$2,536/mo
Today · 4.125%
HK$85,300
baseline
▲ 0.50% · 4.625%
HK$90,491
+HK$5,191/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$170,600/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,296
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,691
−HK$2,430/mo
Today · 4.125%
HK$94,121
baseline
▲ 0.50% · 4.625%
HK$99,082
+HK$4,961/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$188,242/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,645
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$96,558
−HK$2,959/mo
Today · 4.125%
HK$99,517
baseline
▲ 0.50% · 4.625%
HK$105,573
+HK$6,056/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$199,034/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,179
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,973
−HK$2,834/mo
Today · 4.125%
HK$109,807
baseline
▲ 0.50% · 4.625%
HK$115,596
+HK$5,789/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$219,614/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,401
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$124,146
−HK$3,805/mo
Today · 4.125%
HK$127,951
baseline
▲ 0.50% · 4.625%
HK$135,736
+HK$7,785/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$255,902/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,944
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,537
−HK$3,644/mo
Today · 4.125%
HK$141,181
baseline
▲ 0.50% · 4.625%
HK$148,623
+HK$7,442/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$282,362/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,698 · Scale 2, in force from 26 Feb 2026)