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$67,295
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$69,388
−HK$2,127/mo
Today · 4.125%
HK$71,515
baseline
▲ 0.50% · 4.625%
HK$75,866
+HK$4,351/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,030/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,865
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$76,873
−HK$2,037/mo
Today · 4.125%
HK$78,910
baseline
▲ 0.50% · 4.625%
HK$83,069
+HK$4,159/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,820/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,754
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,266
−HK$2,552/mo
Today · 4.125%
HK$85,818
baseline
▲ 0.50% · 4.625%
HK$91,040
+HK$5,222/mo
Deposit HK$11.80M · loan HK$17.71M · min. income ≈ HK$171,636/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,838
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,247
−HK$2,445/mo
Today · 4.125%
HK$94,692
baseline
▲ 0.50% · 4.625%
HK$99,683
+HK$4,991/mo
Deposit HK$11.80M · loan HK$17.71M · min. income ≈ HK$189,384/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,213
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,143
−HK$2,978/mo
Today · 4.125%
HK$100,121
baseline
▲ 0.50% · 4.625%
HK$106,213
+HK$6,092/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$200,242/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,811
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,622
−HK$2,852/mo
Today · 4.125%
HK$110,474
baseline
▲ 0.50% · 4.625%
HK$116,297
+HK$5,823/mo
Deposit HK$8.85M · loan HK$20.66M · min. income ≈ HK$220,948/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,131
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$124,899
−HK$3,828/mo
Today · 4.125%
HK$128,727
baseline
▲ 0.50% · 4.625%
HK$136,560
+HK$7,833/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$257,454/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,757
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$138,371
−HK$3,666/mo
Today · 4.125%
HK$142,037
baseline
▲ 0.50% · 4.625%
HK$149,524
+HK$7,487/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$284,074/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,261 · Scale 2, in force from 26 Feb 2026)