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$67,154
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,243
−HK$2,123/mo
Today · 4.125%
HK$71,366
baseline
▲ 0.50% · 4.625%
HK$75,708
+HK$4,342/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,732/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,709
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,712
−HK$2,033/mo
Today · 4.125%
HK$78,745
baseline
▲ 0.50% · 4.625%
HK$82,896
+HK$4,151/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,490/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,585
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,092
−HK$2,547/mo
Today · 4.125%
HK$85,639
baseline
▲ 0.50% · 4.625%
HK$90,850
+HK$5,211/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,278/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,650
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,055
−HK$2,439/mo
Today · 4.125%
HK$94,494
baseline
▲ 0.50% · 4.625%
HK$99,475
+HK$4,981/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$188,988/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,016
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,941
−HK$2,971/mo
Today · 4.125%
HK$99,912
baseline
▲ 0.50% · 4.625%
HK$105,991
+HK$6,079/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,824/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,592
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,397
−HK$2,846/mo
Today · 4.125%
HK$110,243
baseline
▲ 0.50% · 4.625%
HK$116,054
+HK$5,811/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,486/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,878
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$124,638
−HK$3,820/mo
Today · 4.125%
HK$128,458
baseline
▲ 0.50% · 4.625%
HK$136,275
+HK$7,817/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,916/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,476
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$138,082
−HK$3,659/mo
Today · 4.125%
HK$141,741
baseline
▲ 0.50% · 4.625%
HK$149,212
+HK$7,471/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,482/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,643 · Scale 2, in force from 26 Feb 2026)