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$66,958
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,041
−HK$2,116/mo
Today · 4.125%
HK$71,157
baseline
▲ 0.50% · 4.625%
HK$75,487
+HK$4,330/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$142,314/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,490
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,488
−HK$2,027/mo
Today · 4.125%
HK$78,515
baseline
▲ 0.50% · 4.625%
HK$82,654
+HK$4,139/mo
Deposit HK$14.68M · loan HK$14.68M · min. income ≈ HK$157,030/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,247,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,350
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,849
−HK$2,540/mo
Today · 4.125%
HK$85,389
baseline
▲ 0.50% · 4.625%
HK$90,584
+HK$5,195/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$170,778/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,389
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,786
−HK$2,432/mo
Today · 4.125%
HK$94,218
baseline
▲ 0.50% · 4.625%
HK$99,184
+HK$4,966/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$188,436/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,742
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,657
−HK$2,963/mo
Today · 4.125%
HK$99,620
baseline
▲ 0.50% · 4.625%
HK$105,682
+HK$6,062/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,240/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,287
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,083
−HK$2,838/mo
Today · 4.125%
HK$109,921
baseline
▲ 0.50% · 4.625%
HK$115,715
+HK$5,794/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,842/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,247,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,525
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,274
−HK$3,809/mo
Today · 4.125%
HK$128,083
baseline
▲ 0.50% · 4.625%
HK$135,876
+HK$7,793/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$256,166/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,083
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$137,679
−HK$3,648/mo
Today · 4.125%
HK$141,327
baseline
▲ 0.50% · 4.625%
HK$148,776
+HK$7,449/mo
Deposit HK$2.94M · loan HK$26.43M · min. income ≈ HK$282,654/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,986 · Scale 2, in force from 26 Feb 2026)