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$67,198
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,288
−HK$2,124/mo
Today · 4.125%
HK$71,412
baseline
▲ 0.50% · 4.625%
HK$75,757
+HK$4,345/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,824/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,757
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,762
−HK$2,034/mo
Today · 4.125%
HK$78,796
baseline
▲ 0.50% · 4.625%
HK$82,949
+HK$4,153/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,592/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,638
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,146
−HK$2,548/mo
Today · 4.125%
HK$85,694
baseline
▲ 0.50% · 4.625%
HK$90,909
+HK$5,215/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,388/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,709
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,114
−HK$2,441/mo
Today · 4.125%
HK$94,555
baseline
▲ 0.50% · 4.625%
HK$99,539
+HK$4,984/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,110/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,077
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,004
−HK$2,973/mo
Today · 4.125%
HK$99,977
baseline
▲ 0.50% · 4.625%
HK$106,060
+HK$6,083/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,954/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,660
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,467
−HK$2,847/mo
Today · 4.125%
HK$110,314
baseline
▲ 0.50% · 4.625%
HK$116,129
+HK$5,815/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,628/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,956
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$124,719
−HK$3,822/mo
Today · 4.125%
HK$128,541
baseline
▲ 0.50% · 4.625%
HK$136,363
+HK$7,822/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,082/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,563
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$138,172
−HK$3,661/mo
Today · 4.125%
HK$141,833
baseline
▲ 0.50% · 4.625%
HK$149,309
+HK$7,476/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,666/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,454 · Scale 2, in force from 26 Feb 2026)