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$67,348
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,443
−HK$2,128/mo
Today · 4.125%
HK$71,571
baseline
▲ 0.50% · 4.625%
HK$75,926
+HK$4,355/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$143,142/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,255,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,924
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$76,934
−HK$2,038/mo
Today · 4.125%
HK$78,972
baseline
▲ 0.50% · 4.625%
HK$83,135
+HK$4,163/mo
Deposit HK$14.77M · loan HK$14.77M · min. income ≈ HK$157,944/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,255,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,818
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,332
−HK$2,554/mo
Today · 4.125%
HK$85,886
baseline
▲ 0.50% · 4.625%
HK$91,112
+HK$5,226/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$171,772/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,909
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,320
−HK$2,446/mo
Today · 4.125%
HK$94,766
baseline
▲ 0.50% · 4.625%
HK$99,762
+HK$4,996/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$189,532/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,255,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,287
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,220
−HK$2,980/mo
Today · 4.125%
HK$100,200
baseline
▲ 0.50% · 4.625%
HK$106,297
+HK$6,097/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$200,400/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,894
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$107,707
−HK$2,854/mo
Today · 4.125%
HK$110,561
baseline
▲ 0.50% · 4.625%
HK$116,389
+HK$5,828/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$221,122/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,227
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$124,997
−HK$3,832/mo
Today · 4.125%
HK$128,829
baseline
▲ 0.50% · 4.625%
HK$136,668
+HK$7,839/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$257,658/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,863
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$138,480
−HK$3,670/mo
Today · 4.125%
HK$142,150
baseline
▲ 0.50% · 4.625%
HK$149,643
+HK$7,493/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$284,300/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,252 · Scale 2, in force from 26 Feb 2026)