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$67,240
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,331
−HK$2,125/mo
Today · 4.125%
HK$71,456
baseline
▲ 0.50% · 4.625%
HK$75,804
+HK$4,348/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,912/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,803
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$76,810
−HK$2,035/mo
Today · 4.125%
HK$78,845
baseline
▲ 0.50% · 4.625%
HK$83,001
+HK$4,156/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,690/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,253,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,688
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,197
−HK$2,550/mo
Today · 4.125%
HK$85,747
baseline
▲ 0.50% · 4.625%
HK$90,965
+HK$5,218/mo
Deposit HK$11.80M · loan HK$17.69M · min. income ≈ HK$171,494/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,764
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,172
−HK$2,442/mo
Today · 4.125%
HK$94,614
baseline
▲ 0.50% · 4.625%
HK$99,601
+HK$4,987/mo
Deposit HK$11.80M · loan HK$17.69M · min. income ≈ HK$189,228/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,136
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$97,064
−HK$2,975/mo
Today · 4.125%
HK$100,039
baseline
▲ 0.50% · 4.625%
HK$106,126
+HK$6,087/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$200,078/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,725
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$107,533
−HK$2,850/mo
Today · 4.125%
HK$110,383
baseline
▲ 0.50% · 4.625%
HK$116,201
+HK$5,818/mo
Deposit HK$8.85M · loan HK$20.64M · min. income ≈ HK$220,766/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,031
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$124,796
−HK$3,825/mo
Today · 4.125%
HK$128,621
baseline
▲ 0.50% · 4.625%
HK$136,447
+HK$7,826/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$257,242/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,646
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$138,257
−HK$3,664/mo
Today · 4.125%
HK$141,921
baseline
▲ 0.50% · 4.625%
HK$149,402
+HK$7,481/mo
Deposit HK$2.95M · loan HK$26.54M · min. income ≈ HK$283,842/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,230 · Scale 2, in force from 26 Feb 2026)