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$67,060
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,146
−HK$2,119/mo
Today · 4.125%
HK$71,265
baseline
▲ 0.50% · 4.625%
HK$75,601
+HK$4,336/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,530/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,604
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,604
−HK$2,030/mo
Today · 4.125%
HK$78,634
baseline
▲ 0.50% · 4.625%
HK$82,779
+HK$4,145/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,268/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,472
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,975
−HK$2,543/mo
Today · 4.125%
HK$85,518
baseline
▲ 0.50% · 4.625%
HK$90,722
+HK$5,204/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$171,036/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,524
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,925
−HK$2,436/mo
Today · 4.125%
HK$94,361
baseline
▲ 0.50% · 4.625%
HK$99,335
+HK$4,974/mo
Deposit HK$11.76M · loan HK$17.65M · min. income ≈ HK$188,722/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,884
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,804
−HK$2,967/mo
Today · 4.125%
HK$99,771
baseline
▲ 0.50% · 4.625%
HK$105,842
+HK$6,071/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$199,542/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,445
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,246
−HK$2,842/mo
Today · 4.125%
HK$110,088
baseline
▲ 0.50% · 4.625%
HK$115,891
+HK$5,803/mo
Deposit HK$8.82M · loan HK$20.59M · min. income ≈ HK$220,176/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,708
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,463
−HK$3,814/mo
Today · 4.125%
HK$128,277
baseline
▲ 0.50% · 4.625%
HK$136,083
+HK$7,806/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$256,554/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,286
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,888
−HK$3,653/mo
Today · 4.125%
HK$141,541
baseline
▲ 0.50% · 4.625%
HK$149,002
+HK$7,461/mo
Deposit HK$2.94M · loan HK$26.47M · min. income ≈ HK$283,082/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,881 · Scale 2, in force from 26 Feb 2026)