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$67,153
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,242
−HK$2,122/mo
Today · 4.125%
HK$71,364
baseline
▲ 0.50% · 4.625%
HK$75,706
+HK$4,342/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,728/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,707
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,710
−HK$2,033/mo
Today · 4.125%
HK$78,743
baseline
▲ 0.50% · 4.625%
HK$82,894
+HK$4,151/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,486/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,583
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,090
−HK$2,547/mo
Today · 4.125%
HK$85,637
baseline
▲ 0.50% · 4.625%
HK$90,847
+HK$5,210/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,274/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,648
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,053
−HK$2,439/mo
Today · 4.125%
HK$94,492
baseline
▲ 0.50% · 4.625%
HK$99,472
+HK$4,980/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$188,984/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,014
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,938
−HK$2,971/mo
Today · 4.125%
HK$99,909
baseline
▲ 0.50% · 4.625%
HK$105,989
+HK$6,080/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,818/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,590
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,395
−HK$2,845/mo
Today · 4.125%
HK$110,240
baseline
▲ 0.50% · 4.625%
HK$116,051
+HK$5,811/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,480/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,875
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$124,635
−HK$3,820/mo
Today · 4.125%
HK$128,455
baseline
▲ 0.50% · 4.625%
HK$136,271
+HK$7,816/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$256,910/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,472
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$138,079
−HK$3,658/mo
Today · 4.125%
HK$141,737
baseline
▲ 0.50% · 4.625%
HK$149,209
+HK$7,472/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$283,474/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,612 · Scale 2, in force from 26 Feb 2026)