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$66,880
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,961
−HK$2,113/mo
Today · 4.125%
HK$71,074
baseline
▲ 0.50% · 4.625%
HK$75,399
+HK$4,325/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,148/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,403
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$76,399
−HK$2,024/mo
Today · 4.125%
HK$78,423
baseline
▲ 0.50% · 4.625%
HK$82,557
+HK$4,134/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,846/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,256
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,753
−HK$2,536/mo
Today · 4.125%
HK$85,289
baseline
▲ 0.50% · 4.625%
HK$90,479
+HK$5,190/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$170,578/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,284
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,679
−HK$2,429/mo
Today · 4.125%
HK$94,108
baseline
▲ 0.50% · 4.625%
HK$99,069
+HK$4,961/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$188,216/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,632
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$96,545
−HK$2,959/mo
Today · 4.125%
HK$99,504
baseline
▲ 0.50% · 4.625%
HK$105,558
+HK$6,054/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$199,008/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,165
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,959
−HK$2,834/mo
Today · 4.125%
HK$109,793
baseline
▲ 0.50% · 4.625%
HK$115,580
+HK$5,787/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$219,586/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,384
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,129
−HK$3,804/mo
Today · 4.125%
HK$127,933
baseline
▲ 0.50% · 4.625%
HK$135,718
+HK$7,785/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$255,866/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,926
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,518
−HK$3,644/mo
Today · 4.125%
HK$141,162
baseline
▲ 0.50% · 4.625%
HK$148,603
+HK$7,441/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$282,324/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,530 · Scale 2, in force from 26 Feb 2026)