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$67,228
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,319
−HK$2,125/mo
Today · 4.125%
HK$71,444
baseline
▲ 0.50% · 4.625%
HK$75,791
+HK$4,347/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,888/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,253,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,790
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,796
−HK$2,035/mo
Today · 4.125%
HK$78,831
baseline
▲ 0.50% · 4.625%
HK$82,986
+HK$4,155/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,662/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,253,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,673
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,183
−HK$2,549/mo
Today · 4.125%
HK$85,732
baseline
▲ 0.50% · 4.625%
HK$90,949
+HK$5,217/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,464/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,748
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,155
−HK$2,442/mo
Today · 4.125%
HK$94,597
baseline
▲ 0.50% · 4.625%
HK$99,584
+HK$4,987/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,194/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,253,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,119
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,047
−HK$2,974/mo
Today · 4.125%
HK$100,021
baseline
▲ 0.50% · 4.625%
HK$106,107
+HK$6,086/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$200,042/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,706
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,515
−HK$2,848/mo
Today · 4.125%
HK$110,363
baseline
▲ 0.50% · 4.625%
HK$116,181
+HK$5,818/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$220,726/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,253,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,010
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$124,774
−HK$3,825/mo
Today · 4.125%
HK$128,599
baseline
▲ 0.50% · 4.625%
HK$136,424
+HK$7,825/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,198/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,623
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,233
−HK$3,663/mo
Today · 4.125%
HK$141,896
baseline
▲ 0.50% · 4.625%
HK$149,375
+HK$7,479/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,792/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,011 · Scale 2, in force from 26 Feb 2026)