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$67,136
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,224
−HK$2,122/mo
Today · 4.125%
HK$71,346
baseline
▲ 0.50% · 4.625%
HK$75,687
+HK$4,341/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,692/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,688
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,691
−HK$2,032/mo
Today · 4.125%
HK$78,723
baseline
▲ 0.50% · 4.625%
HK$82,873
+HK$4,150/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,446/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,563
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,069
−HK$2,546/mo
Today · 4.125%
HK$85,615
baseline
▲ 0.50% · 4.625%
HK$90,825
+HK$5,210/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,230/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,626
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,029
−HK$2,439/mo
Today · 4.125%
HK$94,468
baseline
▲ 0.50% · 4.625%
HK$99,447
+HK$4,979/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$188,936/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,990
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,914
−HK$2,970/mo
Today · 4.125%
HK$99,884
baseline
▲ 0.50% · 4.625%
HK$105,962
+HK$6,078/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,768/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,251,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,563
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,368
−HK$2,845/mo
Today · 4.125%
HK$110,213
baseline
▲ 0.50% · 4.625%
HK$116,022
+HK$5,809/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,426/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,251,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,845
−HK$7,578/mo
▼ 0.25% · 3.875%
HK$124,604
−HK$3,819/mo
Today · 4.125%
HK$128,423
baseline
▲ 0.50% · 4.625%
HK$136,237
+HK$7,814/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$256,846/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,439
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$138,044
−HK$3,658/mo
Today · 4.125%
HK$141,702
baseline
▲ 0.50% · 4.625%
HK$149,171
+HK$7,469/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$283,404/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,298 · Scale 2, in force from 26 Feb 2026)