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$66,830
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,909
−HK$2,112/mo
Today · 4.125%
HK$71,021
baseline
▲ 0.50% · 4.625%
HK$75,342
+HK$4,321/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$142,042/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,348
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,342
−HK$2,022/mo
Today · 4.125%
HK$78,364
baseline
▲ 0.50% · 4.625%
HK$82,495
+HK$4,131/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,728/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,245,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,196
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,690
−HK$2,535/mo
Today · 4.125%
HK$85,225
baseline
▲ 0.50% · 4.625%
HK$90,411
+HK$5,186/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,450/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,217
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,610
−HK$2,427/mo
Today · 4.125%
HK$94,037
baseline
▲ 0.50% · 4.625%
HK$98,994
+HK$4,957/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$188,074/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,245,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,562
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$96,472
−HK$2,957/mo
Today · 4.125%
HK$99,429
baseline
▲ 0.50% · 4.625%
HK$105,479
+HK$6,050/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$198,858/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,087
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$106,878
−HK$2,832/mo
Today · 4.125%
HK$109,710
baseline
▲ 0.50% · 4.625%
HK$115,493
+HK$5,783/mo
Deposit HK$8.79M · loan HK$20.52M · min. income ≈ HK$219,420/mo (50% DSR)
Upfront cash ≈ HK$10.04M (deposit + AVD stamp duty HK$1,245,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,294
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,036
−HK$3,801/mo
Today · 4.125%
HK$127,837
baseline
▲ 0.50% · 4.625%
HK$135,616
+HK$7,779/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$255,674/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,826
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$137,415
−HK$3,641/mo
Today · 4.125%
HK$141,056
baseline
▲ 0.50% · 4.625%
HK$148,491
+HK$7,435/mo
Deposit HK$2.93M · loan HK$26.38M · min. income ≈ HK$282,112/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,245,593 · Scale 2, in force from 26 Feb 2026)