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$67,190
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,280
−HK$2,124/mo
Today · 4.125%
HK$71,404
baseline
▲ 0.50% · 4.625%
HK$75,748
+HK$4,344/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,808/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,748
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,753
−HK$2,034/mo
Today · 4.125%
HK$78,787
baseline
▲ 0.50% · 4.625%
HK$82,940
+HK$4,153/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,574/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,628
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,136
−HK$2,548/mo
Today · 4.125%
HK$85,684
baseline
▲ 0.50% · 4.625%
HK$90,898
+HK$5,214/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,368/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,698
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,104
−HK$2,440/mo
Today · 4.125%
HK$94,544
baseline
▲ 0.50% · 4.625%
HK$99,528
+HK$4,984/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,088/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,066
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$96,992
−HK$2,973/mo
Today · 4.125%
HK$99,965
baseline
▲ 0.50% · 4.625%
HK$106,048
+HK$6,083/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,930/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,648
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,454
−HK$2,848/mo
Today · 4.125%
HK$110,302
baseline
▲ 0.50% · 4.625%
HK$116,116
+HK$5,814/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,604/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,942
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$124,704
−HK$3,823/mo
Today · 4.125%
HK$128,527
baseline
▲ 0.50% · 4.625%
HK$136,347
+HK$7,820/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,054/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,547
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$138,156
−HK$3,660/mo
Today · 4.125%
HK$141,816
baseline
▲ 0.50% · 4.625%
HK$149,292
+HK$7,476/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,632/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,309 · Scale 2, in force from 26 Feb 2026)