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$67,120
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,207
−HK$2,122/mo
Today · 4.125%
HK$71,329
baseline
▲ 0.50% · 4.625%
HK$75,669
+HK$4,340/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,658/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,670
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,672
−HK$2,032/mo
Today · 4.125%
HK$78,704
baseline
▲ 0.50% · 4.625%
HK$82,853
+HK$4,149/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,408/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,543
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,049
−HK$2,545/mo
Today · 4.125%
HK$85,594
baseline
▲ 0.50% · 4.625%
HK$90,802
+HK$5,208/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$171,188/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,604
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,007
−HK$2,438/mo
Today · 4.125%
HK$94,445
baseline
▲ 0.50% · 4.625%
HK$99,423
+HK$4,978/mo
Deposit HK$11.77M · loan HK$17.66M · min. income ≈ HK$188,890/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,967
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,890
−HK$2,970/mo
Today · 4.125%
HK$99,860
baseline
▲ 0.50% · 4.625%
HK$105,936
+HK$6,076/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$199,720/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,538
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,341
−HK$2,845/mo
Today · 4.125%
HK$110,186
baseline
▲ 0.50% · 4.625%
HK$115,994
+HK$5,808/mo
Deposit HK$8.83M · loan HK$20.60M · min. income ≈ HK$220,372/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,815
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$124,573
−HK$3,818/mo
Today · 4.125%
HK$128,391
baseline
▲ 0.50% · 4.625%
HK$136,204
+HK$7,813/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$256,782/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,406
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$138,010
−HK$3,657/mo
Today · 4.125%
HK$141,667
baseline
▲ 0.50% · 4.625%
HK$149,135
+HK$7,468/mo
Deposit HK$2.94M · loan HK$26.49M · min. income ≈ HK$283,334/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,250,991 · Scale 2, in force from 26 Feb 2026)