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$67,125
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,213
−HK$2,122/mo
Today · 4.125%
HK$71,335
baseline
▲ 0.50% · 4.625%
HK$75,675
+HK$4,340/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,670/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,676
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,679
−HK$2,032/mo
Today · 4.125%
HK$78,711
baseline
▲ 0.50% · 4.625%
HK$82,860
+HK$4,149/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,422/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,550
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,056
−HK$2,546/mo
Today · 4.125%
HK$85,602
baseline
▲ 0.50% · 4.625%
HK$90,810
+HK$5,208/mo
Deposit HK$11.78M · loan HK$17.66M · min. income ≈ HK$171,204/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,611
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,015
−HK$2,438/mo
Today · 4.125%
HK$94,453
baseline
▲ 0.50% · 4.625%
HK$99,432
+HK$4,979/mo
Deposit HK$11.78M · loan HK$17.66M · min. income ≈ HK$188,906/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,975
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,899
−HK$2,970/mo
Today · 4.125%
HK$99,869
baseline
▲ 0.50% · 4.625%
HK$105,945
+HK$6,076/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,738/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,251,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,547
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,351
−HK$2,844/mo
Today · 4.125%
HK$110,195
baseline
▲ 0.50% · 4.625%
HK$116,004
+HK$5,809/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,390/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,251,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,826
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$124,584
−HK$3,818/mo
Today · 4.125%
HK$128,402
baseline
▲ 0.50% · 4.625%
HK$136,215
+HK$7,813/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,804/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,251,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,417
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$138,022
−HK$3,657/mo
Today · 4.125%
HK$141,679
baseline
▲ 0.50% · 4.625%
HK$149,148
+HK$7,469/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,358/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,251,099 · Scale 2, in force from 26 Feb 2026)