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$67,316
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,410
−HK$2,128/mo
Today · 4.125%
HK$71,538
baseline
▲ 0.50% · 4.625%
HK$75,891
+HK$4,353/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,076/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,254,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,889
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,897
−HK$2,038/mo
Today · 4.125%
HK$78,935
baseline
▲ 0.50% · 4.625%
HK$83,095
+HK$4,160/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,870/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,254,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,780
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,292
−HK$2,553/mo
Today · 4.125%
HK$85,845
baseline
▲ 0.50% · 4.625%
HK$91,069
+HK$5,224/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$171,690/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,866
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,277
−HK$2,445/mo
Today · 4.125%
HK$94,722
baseline
▲ 0.50% · 4.625%
HK$99,715
+HK$4,993/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$189,444/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,243
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$97,174
−HK$2,979/mo
Today · 4.125%
HK$100,153
baseline
▲ 0.50% · 4.625%
HK$106,247
+HK$6,094/mo
Deposit HK$8.86M · loan HK$20.66M · min. income ≈ HK$200,306/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,844
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$107,656
−HK$2,853/mo
Today · 4.125%
HK$110,509
baseline
▲ 0.50% · 4.625%
HK$116,334
+HK$5,825/mo
Deposit HK$8.86M · loan HK$20.66M · min. income ≈ HK$221,018/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,169
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$124,938
−HK$3,830/mo
Today · 4.125%
HK$128,768
baseline
▲ 0.50% · 4.625%
HK$136,603
+HK$7,835/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$257,536/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,800
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$138,415
−HK$3,668/mo
Today · 4.125%
HK$142,083
baseline
▲ 0.50% · 4.625%
HK$149,572
+HK$7,489/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$284,166/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,659 · Scale 2, in force from 26 Feb 2026)