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$67,009
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$69,094
−HK$2,117/mo
Today · 4.125%
HK$71,211
baseline
▲ 0.50% · 4.625%
HK$75,545
+HK$4,334/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,422/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,547
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,547
−HK$2,028/mo
Today · 4.125%
HK$78,575
baseline
▲ 0.50% · 4.625%
HK$82,717
+HK$4,142/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,150/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,411
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,913
−HK$2,541/mo
Today · 4.125%
HK$85,454
baseline
▲ 0.50% · 4.625%
HK$90,653
+HK$5,199/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$170,908/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,457
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,856
−HK$2,434/mo
Today · 4.125%
HK$94,290
baseline
▲ 0.50% · 4.625%
HK$99,260
+HK$4,970/mo
Deposit HK$11.75M · loan HK$17.63M · min. income ≈ HK$188,580/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,813
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,731
−HK$2,965/mo
Today · 4.125%
HK$99,696
baseline
▲ 0.50% · 4.625%
HK$105,762
+HK$6,066/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$199,392/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,366
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,165
−HK$2,840/mo
Today · 4.125%
HK$110,005
baseline
▲ 0.50% · 4.625%
HK$115,803
+HK$5,798/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$220,010/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,617
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$124,369
−HK$3,812/mo
Today · 4.125%
HK$128,181
baseline
▲ 0.50% · 4.625%
HK$135,980
+HK$7,799/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$256,362/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,185
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$137,784
−HK$3,651/mo
Today · 4.125%
HK$141,435
baseline
▲ 0.50% · 4.625%
HK$148,890
+HK$7,455/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$282,870/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,939 · Scale 2, in force from 26 Feb 2026)