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$67,313
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,407
−HK$2,128/mo
Today · 4.125%
HK$71,535
baseline
▲ 0.50% · 4.625%
HK$75,887
+HK$4,352/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,070/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,885
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,894
−HK$2,037/mo
Today · 4.125%
HK$78,931
baseline
▲ 0.50% · 4.625%
HK$83,092
+HK$4,161/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,862/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,776
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,289
−HK$2,552/mo
Today · 4.125%
HK$85,841
baseline
▲ 0.50% · 4.625%
HK$91,065
+HK$5,224/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$171,682/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,863
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,273
−HK$2,445/mo
Today · 4.125%
HK$94,718
baseline
▲ 0.50% · 4.625%
HK$99,710
+HK$4,992/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$189,436/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,239
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,170
−HK$2,978/mo
Today · 4.125%
HK$100,148
baseline
▲ 0.50% · 4.625%
HK$106,242
+HK$6,094/mo
Deposit HK$8.86M · loan HK$20.66M · min. income ≈ HK$200,296/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,840
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,651
−HK$2,853/mo
Today · 4.125%
HK$110,504
baseline
▲ 0.50% · 4.625%
HK$116,329
+HK$5,825/mo
Deposit HK$8.86M · loan HK$20.66M · min. income ≈ HK$221,008/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,164
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$124,933
−HK$3,829/mo
Today · 4.125%
HK$128,762
baseline
▲ 0.50% · 4.625%
HK$136,597
+HK$7,835/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$257,524/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,794
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$138,409
−HK$3,667/mo
Today · 4.125%
HK$142,076
baseline
▲ 0.50% · 4.625%
HK$149,565
+HK$7,489/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$284,152/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,605 · Scale 2, in force from 26 Feb 2026)