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$67,137
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,226
−HK$2,121/mo
Today · 4.125%
HK$71,347
baseline
▲ 0.50% · 4.625%
HK$75,689
+HK$4,342/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,694/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,690
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,693
−HK$2,032/mo
Today · 4.125%
HK$78,725
baseline
▲ 0.50% · 4.625%
HK$82,875
+HK$4,150/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,450/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,565
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,071
−HK$2,546/mo
Today · 4.125%
HK$85,617
baseline
▲ 0.50% · 4.625%
HK$90,827
+HK$5,210/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,234/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,628
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,031
−HK$2,439/mo
Today · 4.125%
HK$94,470
baseline
▲ 0.50% · 4.625%
HK$99,450
+HK$4,980/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$188,940/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,992
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,916
−HK$2,970/mo
Today · 4.125%
HK$99,886
baseline
▲ 0.50% · 4.625%
HK$105,964
+HK$6,078/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,772/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,566
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,370
−HK$2,845/mo
Today · 4.125%
HK$110,215
baseline
▲ 0.50% · 4.625%
HK$116,024
+HK$5,809/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,430/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,847
−HK$7,578/mo
▼ 0.25% · 3.875%
HK$124,606
−HK$3,819/mo
Today · 4.125%
HK$128,425
baseline
▲ 0.50% · 4.625%
HK$136,240
+HK$7,815/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$256,850/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,441
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$138,047
−HK$3,658/mo
Today · 4.125%
HK$141,705
baseline
▲ 0.50% · 4.625%
HK$149,174
+HK$7,469/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$283,410/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,324 · Scale 2, in force from 26 Feb 2026)