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$67,160
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,249
−HK$2,122/mo
Today · 4.125%
HK$71,371
baseline
▲ 0.50% · 4.625%
HK$75,714
+HK$4,343/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,742/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,714
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,718
−HK$2,033/mo
Today · 4.125%
HK$78,751
baseline
▲ 0.50% · 4.625%
HK$82,902
+HK$4,151/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,502/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,591
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,098
−HK$2,547/mo
Today · 4.125%
HK$85,645
baseline
▲ 0.50% · 4.625%
HK$90,857
+HK$5,212/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,290/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,657
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,062
−HK$2,439/mo
Today · 4.125%
HK$94,501
baseline
▲ 0.50% · 4.625%
HK$99,482
+HK$4,981/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$189,002/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,023
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,948
−HK$2,971/mo
Today · 4.125%
HK$99,919
baseline
▲ 0.50% · 4.625%
HK$105,999
+HK$6,080/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,838/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,600
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,405
−HK$2,846/mo
Today · 4.125%
HK$110,251
baseline
▲ 0.50% · 4.625%
HK$116,063
+HK$5,812/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,502/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,887
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,648
−HK$3,820/mo
Today · 4.125%
HK$128,468
baseline
▲ 0.50% · 4.625%
HK$136,285
+HK$7,817/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,936/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,486
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$138,093
−HK$3,659/mo
Today · 4.125%
HK$141,752
baseline
▲ 0.50% · 4.625%
HK$149,224
+HK$7,472/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,504/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,738 · Scale 2, in force from 26 Feb 2026)