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$67,077
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$69,163
−HK$2,120/mo
Today · 4.125%
HK$71,283
baseline
▲ 0.50% · 4.625%
HK$75,620
+HK$4,337/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$142,566/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,622
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,623
−HK$2,031/mo
Today · 4.125%
HK$78,654
baseline
▲ 0.50% · 4.625%
HK$82,800
+HK$4,146/mo
Deposit HK$14.71M · loan HK$14.71M · min. income ≈ HK$157,308/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,250,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,492
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,996
−HK$2,543/mo
Today · 4.125%
HK$85,539
baseline
▲ 0.50% · 4.625%
HK$90,744
+HK$5,205/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$171,078/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,546
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,948
−HK$2,436/mo
Today · 4.125%
HK$94,384
baseline
▲ 0.50% · 4.625%
HK$99,359
+HK$4,975/mo
Deposit HK$11.77M · loan HK$17.65M · min. income ≈ HK$188,768/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,250,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,907
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,828
−HK$2,968/mo
Today · 4.125%
HK$99,796
baseline
▲ 0.50% · 4.625%
HK$105,868
+HK$6,072/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$199,592/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,471
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,273
−HK$2,842/mo
Today · 4.125%
HK$110,115
baseline
▲ 0.50% · 4.625%
HK$115,919
+HK$5,804/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$220,230/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,738
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$124,493
−HK$3,816/mo
Today · 4.125%
HK$128,309
baseline
▲ 0.50% · 4.625%
HK$136,116
+HK$7,807/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,618/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,320
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$137,922
−HK$3,654/mo
Today · 4.125%
HK$141,576
baseline
▲ 0.50% · 4.625%
HK$149,039
+HK$7,463/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,152/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,190 · Scale 2, in force from 26 Feb 2026)