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$67,138
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,227
−HK$2,122/mo
Today · 4.125%
HK$71,349
baseline
▲ 0.50% · 4.625%
HK$75,690
+HK$4,341/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,698/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,691
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,694
−HK$2,032/mo
Today · 4.125%
HK$78,726
baseline
▲ 0.50% · 4.625%
HK$82,876
+HK$4,150/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,452/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,566
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,072
−HK$2,546/mo
Today · 4.125%
HK$85,618
baseline
▲ 0.50% · 4.625%
HK$90,828
+HK$5,210/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,236/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,629
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,033
−HK$2,438/mo
Today · 4.125%
HK$94,471
baseline
▲ 0.50% · 4.625%
HK$99,451
+HK$4,980/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$188,942/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,994
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,917
−HK$2,971/mo
Today · 4.125%
HK$99,888
baseline
▲ 0.50% · 4.625%
HK$105,966
+HK$6,078/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,776/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,567
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,371
−HK$2,845/mo
Today · 4.125%
HK$110,216
baseline
▲ 0.50% · 4.625%
HK$116,026
+HK$5,810/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,432/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$1,251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,849
−HK$7,578/mo
▼ 0.25% · 3.875%
HK$124,608
−HK$3,819/mo
Today · 4.125%
HK$128,427
baseline
▲ 0.50% · 4.625%
HK$136,242
+HK$7,815/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$256,854/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,443
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$138,049
−HK$3,658/mo
Today · 4.125%
HK$141,707
baseline
▲ 0.50% · 4.625%
HK$149,176
+HK$7,469/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$283,414/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,342 · Scale 2, in force from 26 Feb 2026)