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$67,184
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,274
−HK$2,123/mo
Today · 4.125%
HK$71,397
baseline
▲ 0.50% · 4.625%
HK$75,741
+HK$4,344/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,794/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,252,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,741
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,746
−HK$2,034/mo
Today · 4.125%
HK$78,780
baseline
▲ 0.50% · 4.625%
HK$82,932
+HK$4,152/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,560/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,252,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,621
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,129
−HK$2,547/mo
Today · 4.125%
HK$85,676
baseline
▲ 0.50% · 4.625%
HK$90,890
+HK$5,214/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,352/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,690
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,095
−HK$2,440/mo
Today · 4.125%
HK$94,535
baseline
▲ 0.50% · 4.625%
HK$99,519
+HK$4,984/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,070/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,058
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,983
−HK$2,973/mo
Today · 4.125%
HK$99,956
baseline
▲ 0.50% · 4.625%
HK$106,038
+HK$6,082/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,912/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,638
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,444
−HK$2,847/mo
Today · 4.125%
HK$110,291
baseline
▲ 0.50% · 4.625%
HK$116,105
+HK$5,814/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,582/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,931
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$124,693
−HK$3,822/mo
Today · 4.125%
HK$128,515
baseline
▲ 0.50% · 4.625%
HK$136,334
+HK$7,819/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,030/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,535
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$138,143
−HK$3,660/mo
Today · 4.125%
HK$141,803
baseline
▲ 0.50% · 4.625%
HK$149,278
+HK$7,475/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,606/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,192 · Scale 2, in force from 26 Feb 2026)