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$67,201
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,292
−HK$2,123/mo
Today · 4.125%
HK$71,415
baseline
▲ 0.50% · 4.625%
HK$75,761
+HK$4,346/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,830/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,761
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,766
−HK$2,034/mo
Today · 4.125%
HK$78,800
baseline
▲ 0.50% · 4.625%
HK$82,953
+HK$4,153/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,600/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,642
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,150
−HK$2,548/mo
Today · 4.125%
HK$85,698
baseline
▲ 0.50% · 4.625%
HK$90,913
+HK$5,215/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,396/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,713
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,119
−HK$2,441/mo
Today · 4.125%
HK$94,560
baseline
▲ 0.50% · 4.625%
HK$99,544
+HK$4,984/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,120/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,082
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,008
−HK$2,974/mo
Today · 4.125%
HK$99,982
baseline
▲ 0.50% · 4.625%
HK$106,065
+HK$6,083/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,964/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,665
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,472
−HK$2,848/mo
Today · 4.125%
HK$110,320
baseline
▲ 0.50% · 4.625%
HK$116,135
+HK$5,815/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,640/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,962
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$124,725
−HK$3,823/mo
Today · 4.125%
HK$128,548
baseline
▲ 0.50% · 4.625%
HK$136,370
+HK$7,822/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,096/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,569
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,178
−HK$3,662/mo
Today · 4.125%
HK$141,840
baseline
▲ 0.50% · 4.625%
HK$149,316
+HK$7,476/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,680/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,515 · Scale 2, in force from 26 Feb 2026)