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$67,226
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,317
−HK$2,125/mo
Today · 4.125%
HK$71,442
baseline
▲ 0.50% · 4.625%
HK$75,789
+HK$4,347/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,884/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,788
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,794
−HK$2,035/mo
Today · 4.125%
HK$78,829
baseline
▲ 0.50% · 4.625%
HK$82,984
+HK$4,155/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,658/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,671
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,180
−HK$2,550/mo
Today · 4.125%
HK$85,730
baseline
▲ 0.50% · 4.625%
HK$90,946
+HK$5,216/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,460/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,252,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,746
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,153
−HK$2,441/mo
Today · 4.125%
HK$94,594
baseline
▲ 0.50% · 4.625%
HK$99,581
+HK$4,987/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,188/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,252,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,116
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,044
−HK$2,974/mo
Today · 4.125%
HK$100,018
baseline
▲ 0.50% · 4.625%
HK$106,104
+HK$6,086/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$200,036/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,703
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,511
−HK$2,849/mo
Today · 4.125%
HK$110,360
baseline
▲ 0.50% · 4.625%
HK$116,177
+HK$5,817/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$220,720/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,007
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,771
−HK$3,824/mo
Today · 4.125%
HK$128,595
baseline
▲ 0.50% · 4.625%
HK$136,419
+HK$7,824/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,190/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,619
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,229
−HK$3,663/mo
Today · 4.125%
HK$141,892
baseline
▲ 0.50% · 4.625%
HK$149,371
+HK$7,479/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,784/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,974 · Scale 2, in force from 26 Feb 2026)