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$67,171
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,260
−HK$2,123/mo
Today · 4.125%
HK$71,383
baseline
▲ 0.50% · 4.625%
HK$75,726
+HK$4,343/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,766/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,727
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,731
−HK$2,033/mo
Today · 4.125%
HK$78,764
baseline
▲ 0.50% · 4.625%
HK$82,916
+HK$4,152/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,528/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,605
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,112
−HK$2,547/mo
Today · 4.125%
HK$85,659
baseline
▲ 0.50% · 4.625%
HK$90,872
+HK$5,213/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,318/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,672
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,077
−HK$2,440/mo
Today · 4.125%
HK$94,517
baseline
▲ 0.50% · 4.625%
HK$99,499
+HK$4,982/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$189,034/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,039
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,964
−HK$2,972/mo
Today · 4.125%
HK$99,936
baseline
▲ 0.50% · 4.625%
HK$106,017
+HK$6,081/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,872/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,617
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,423
−HK$2,847/mo
Today · 4.125%
HK$110,270
baseline
▲ 0.50% · 4.625%
HK$116,082
+HK$5,812/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,540/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,907
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$124,668
−HK$3,821/mo
Today · 4.125%
HK$128,489
baseline
▲ 0.50% · 4.625%
HK$136,307
+HK$7,818/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,978/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,508
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$138,116
−HK$3,659/mo
Today · 4.125%
HK$141,775
baseline
▲ 0.50% · 4.625%
HK$149,248
+HK$7,473/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,550/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,945 · Scale 2, in force from 26 Feb 2026)