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$67,292
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,385
−HK$2,127/mo
Today · 4.125%
HK$71,512
baseline
▲ 0.50% · 4.625%
HK$75,863
+HK$4,351/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,024/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,861
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,869
−HK$2,037/mo
Today · 4.125%
HK$78,906
baseline
▲ 0.50% · 4.625%
HK$83,065
+HK$4,159/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,812/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,750
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,262
−HK$2,552/mo
Today · 4.125%
HK$85,814
baseline
▲ 0.50% · 4.625%
HK$91,035
+HK$5,221/mo
Deposit HK$11.80M · loan HK$17.71M · min. income ≈ HK$171,628/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,834
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,243
−HK$2,444/mo
Today · 4.125%
HK$94,687
baseline
▲ 0.50% · 4.625%
HK$99,678
+HK$4,991/mo
Deposit HK$11.80M · loan HK$17.71M · min. income ≈ HK$189,374/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,208
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,139
−HK$2,977/mo
Today · 4.125%
HK$100,116
baseline
▲ 0.50% · 4.625%
HK$106,208
+HK$6,092/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$200,232/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,806
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,617
−HK$2,851/mo
Today · 4.125%
HK$110,468
baseline
▲ 0.50% · 4.625%
HK$116,291
+HK$5,823/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$220,936/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,125
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$124,893
−HK$3,828/mo
Today · 4.125%
HK$128,721
baseline
▲ 0.50% · 4.625%
HK$136,553
+HK$7,832/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$257,442/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,750
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$138,364
−HK$3,667/mo
Today · 4.125%
HK$142,031
baseline
▲ 0.50% · 4.625%
HK$149,517
+HK$7,486/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$284,062/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,201 · Scale 2, in force from 26 Feb 2026)