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$66,918
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,999
−HK$2,115/mo
Today · 4.125%
HK$71,114
baseline
▲ 0.50% · 4.625%
HK$75,441
+HK$4,327/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,228/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,445
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,442
−HK$2,025/mo
Today · 4.125%
HK$78,467
baseline
▲ 0.50% · 4.625%
HK$82,603
+HK$4,136/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,934/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,301
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,799
−HK$2,538/mo
Today · 4.125%
HK$85,337
baseline
▲ 0.50% · 4.625%
HK$90,529
+HK$5,192/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,674/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,334
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,730
−HK$2,431/mo
Today · 4.125%
HK$94,161
baseline
▲ 0.50% · 4.625%
HK$99,124
+HK$4,963/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,322/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,685
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,599
−HK$2,960/mo
Today · 4.125%
HK$99,559
baseline
▲ 0.50% · 4.625%
HK$105,617
+HK$6,058/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$199,118/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,223
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,018
−HK$2,836/mo
Today · 4.125%
HK$109,854
baseline
▲ 0.50% · 4.625%
HK$115,644
+HK$5,790/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$219,708/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,452
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,198
−HK$3,807/mo
Today · 4.125%
HK$128,005
baseline
▲ 0.50% · 4.625%
HK$135,794
+HK$7,789/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$256,010/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,001
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$137,595
−HK$3,646/mo
Today · 4.125%
HK$141,241
baseline
▲ 0.50% · 4.625%
HK$148,686
+HK$7,445/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$282,482/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,226 · Scale 2, in force from 26 Feb 2026)