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$67,219
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,309
−HK$2,125/mo
Today · 4.125%
HK$71,434
baseline
▲ 0.50% · 4.625%
HK$75,780
+HK$4,346/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,868/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,780
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,786
−HK$2,034/mo
Today · 4.125%
HK$78,820
baseline
▲ 0.50% · 4.625%
HK$82,975
+HK$4,155/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,640/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,662
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,171
−HK$2,550/mo
Today · 4.125%
HK$85,721
baseline
▲ 0.50% · 4.625%
HK$90,936
+HK$5,215/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,442/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,736
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,143
−HK$2,441/mo
Today · 4.125%
HK$94,584
baseline
▲ 0.50% · 4.625%
HK$99,570
+HK$4,986/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,168/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,106
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,033
−HK$2,974/mo
Today · 4.125%
HK$100,007
baseline
▲ 0.50% · 4.625%
HK$106,092
+HK$6,085/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$200,014/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,692
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,500
−HK$2,848/mo
Today · 4.125%
HK$110,348
baseline
▲ 0.50% · 4.625%
HK$116,165
+HK$5,817/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,696/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,993
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,757
−HK$3,824/mo
Today · 4.125%
HK$128,581
baseline
▲ 0.50% · 4.625%
HK$136,405
+HK$7,824/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,162/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,604
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,214
−HK$3,662/mo
Today · 4.125%
HK$141,876
baseline
▲ 0.50% · 4.625%
HK$149,355
+HK$7,479/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,752/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,837 · Scale 2, in force from 26 Feb 2026)