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$67,169
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,259
−HK$2,122/mo
Today · 4.125%
HK$71,381
baseline
▲ 0.50% · 4.625%
HK$75,725
+HK$4,344/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,762/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,725
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,729
−HK$2,033/mo
Today · 4.125%
HK$78,762
baseline
▲ 0.50% · 4.625%
HK$82,914
+HK$4,152/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,524/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,603
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,110
−HK$2,548/mo
Today · 4.125%
HK$85,658
baseline
▲ 0.50% · 4.625%
HK$90,870
+HK$5,212/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,316/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,670
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,075
−HK$2,440/mo
Today · 4.125%
HK$94,515
baseline
▲ 0.50% · 4.625%
HK$99,497
+HK$4,982/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$189,030/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,037
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,962
−HK$2,972/mo
Today · 4.125%
HK$99,934
baseline
▲ 0.50% · 4.625%
HK$106,015
+HK$6,081/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,868/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,615
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,421
−HK$2,846/mo
Today · 4.125%
HK$110,267
baseline
▲ 0.50% · 4.625%
HK$116,079
+HK$5,812/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,534/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,905
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,665
−HK$3,821/mo
Today · 4.125%
HK$128,486
baseline
▲ 0.50% · 4.625%
HK$136,304
+HK$7,818/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,972/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,505
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$138,112
−HK$3,660/mo
Today · 4.125%
HK$141,772
baseline
▲ 0.50% · 4.625%
HK$149,245
+HK$7,473/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,544/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,917 · Scale 2, in force from 26 Feb 2026)