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$67,234
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,326
−HK$2,124/mo
Today · 4.125%
HK$71,450
baseline
▲ 0.50% · 4.625%
HK$75,798
+HK$4,348/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,900/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,797
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,803
−HK$2,035/mo
Today · 4.125%
HK$78,838
baseline
▲ 0.50% · 4.625%
HK$82,994
+HK$4,156/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,676/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,681
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,191
−HK$2,549/mo
Today · 4.125%
HK$85,740
baseline
▲ 0.50% · 4.625%
HK$90,958
+HK$5,218/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,480/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,757
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,164
−HK$2,442/mo
Today · 4.125%
HK$94,606
baseline
▲ 0.50% · 4.625%
HK$99,593
+HK$4,987/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,212/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,128
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,056
−HK$2,975/mo
Today · 4.125%
HK$100,031
baseline
▲ 0.50% · 4.625%
HK$106,117
+HK$6,086/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$200,062/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,716
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,525
−HK$2,849/mo
Today · 4.125%
HK$110,374
baseline
▲ 0.50% · 4.625%
HK$116,192
+HK$5,818/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$220,748/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,022
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$124,786
−HK$3,825/mo
Today · 4.125%
HK$128,611
baseline
▲ 0.50% · 4.625%
HK$136,436
+HK$7,825/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$257,222/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,635
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$138,246
−HK$3,663/mo
Today · 4.125%
HK$141,909
baseline
▲ 0.50% · 4.625%
HK$149,389
+HK$7,480/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$283,818/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,129 · Scale 2, in force from 26 Feb 2026)