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$66,979
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$69,062
−HK$2,117/mo
Today · 4.125%
HK$71,179
baseline
▲ 0.50% · 4.625%
HK$75,510
+HK$4,331/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$142,358/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,513
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,511
−HK$2,028/mo
Today · 4.125%
HK$78,539
baseline
▲ 0.50% · 4.625%
HK$82,679
+HK$4,140/mo
Deposit HK$14.69M · loan HK$14.69M · min. income ≈ HK$157,078/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,248,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,374
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,874
−HK$2,540/mo
Today · 4.125%
HK$85,414
baseline
▲ 0.50% · 4.625%
HK$90,612
+HK$5,198/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$170,828/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,416
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,814
−HK$2,432/mo
Today · 4.125%
HK$94,246
baseline
▲ 0.50% · 4.625%
HK$99,214
+HK$4,968/mo
Deposit HK$11.75M · loan HK$17.62M · min. income ≈ HK$188,492/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,248,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,770
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,687
−HK$2,963/mo
Today · 4.125%
HK$99,650
baseline
▲ 0.50% · 4.625%
HK$105,714
+HK$6,064/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$199,300/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,318
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,116
−HK$2,838/mo
Today · 4.125%
HK$109,954
baseline
▲ 0.50% · 4.625%
HK$115,750
+HK$5,796/mo
Deposit HK$8.81M · loan HK$20.56M · min. income ≈ HK$219,908/mo (50% DSR)
Upfront cash ≈ HK$10.06M (deposit + AVD stamp duty HK$1,248,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,561
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$124,311
−HK$3,811/mo
Today · 4.125%
HK$128,122
baseline
▲ 0.50% · 4.625%
HK$135,917
+HK$7,795/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$256,244/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,123
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$137,720
−HK$3,650/mo
Today · 4.125%
HK$141,370
baseline
▲ 0.50% · 4.625%
HK$148,821
+HK$7,451/mo
Deposit HK$2.94M · loan HK$26.44M · min. income ≈ HK$282,740/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,248,363 · Scale 2, in force from 26 Feb 2026)