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$67,207
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,298
−HK$2,124/mo
Today · 4.125%
HK$71,422
baseline
▲ 0.50% · 4.625%
HK$75,768
+HK$4,346/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,844/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,767
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,773
−HK$2,034/mo
Today · 4.125%
HK$78,807
baseline
▲ 0.50% · 4.625%
HK$82,961
+HK$4,154/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,614/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,649
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,157
−HK$2,549/mo
Today · 4.125%
HK$85,706
baseline
▲ 0.50% · 4.625%
HK$90,921
+HK$5,215/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,412/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,721
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,127
−HK$2,441/mo
Today · 4.125%
HK$94,568
baseline
▲ 0.50% · 4.625%
HK$99,553
+HK$4,985/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,136/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,090
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,017
−HK$2,973/mo
Today · 4.125%
HK$99,990
baseline
▲ 0.50% · 4.625%
HK$106,075
+HK$6,085/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,980/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,674
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,482
−HK$2,848/mo
Today · 4.125%
HK$110,330
baseline
▲ 0.50% · 4.625%
HK$116,145
+HK$5,815/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,660/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,973
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$124,736
−HK$3,823/mo
Today · 4.125%
HK$128,559
baseline
▲ 0.50% · 4.625%
HK$136,382
+HK$7,823/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,118/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,581
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,191
−HK$3,661/mo
Today · 4.125%
HK$141,852
baseline
▲ 0.50% · 4.625%
HK$149,330
+HK$7,478/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,704/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,626 · Scale 2, in force from 26 Feb 2026)