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$67,200
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,290
−HK$2,124/mo
Today · 4.125%
HK$71,414
baseline
▲ 0.50% · 4.625%
HK$75,759
+HK$4,345/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,828/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,759
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,764
−HK$2,034/mo
Today · 4.125%
HK$78,798
baseline
▲ 0.50% · 4.625%
HK$82,952
+HK$4,154/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,596/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,640
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,148
−HK$2,549/mo
Today · 4.125%
HK$85,697
baseline
▲ 0.50% · 4.625%
HK$90,911
+HK$5,214/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,394/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,711
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,117
−HK$2,441/mo
Today · 4.125%
HK$94,558
baseline
▲ 0.50% · 4.625%
HK$99,542
+HK$4,984/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,116/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,080
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,007
−HK$2,973/mo
Today · 4.125%
HK$99,980
baseline
▲ 0.50% · 4.625%
HK$106,063
+HK$6,083/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,960/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,663
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,470
−HK$2,848/mo
Today · 4.125%
HK$110,318
baseline
▲ 0.50% · 4.625%
HK$116,133
+HK$5,815/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,636/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,960
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$124,723
−HK$3,822/mo
Today · 4.125%
HK$128,545
baseline
▲ 0.50% · 4.625%
HK$136,367
+HK$7,822/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,090/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,567
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$138,176
−HK$3,661/mo
Today · 4.125%
HK$141,837
baseline
▲ 0.50% · 4.625%
HK$149,314
+HK$7,477/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,674/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,493 · Scale 2, in force from 26 Feb 2026)