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$67,166
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,255
−HK$2,123/mo
Today · 4.125%
HK$71,378
baseline
▲ 0.50% · 4.625%
HK$75,721
+HK$4,343/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,756/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,721
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,725
−HK$2,033/mo
Today · 4.125%
HK$78,758
baseline
▲ 0.50% · 4.625%
HK$82,910
+HK$4,152/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,516/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,599
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,106
−HK$2,547/mo
Today · 4.125%
HK$85,653
baseline
▲ 0.50% · 4.625%
HK$90,865
+HK$5,212/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,306/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,666
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,070
−HK$2,440/mo
Today · 4.125%
HK$94,510
baseline
▲ 0.50% · 4.625%
HK$99,492
+HK$4,982/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$189,020/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,032
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,957
−HK$2,972/mo
Today · 4.125%
HK$99,929
baseline
▲ 0.50% · 4.625%
HK$106,009
+HK$6,080/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,858/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,610
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,416
−HK$2,846/mo
Today · 4.125%
HK$110,262
baseline
▲ 0.50% · 4.625%
HK$116,074
+HK$5,812/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,524/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,899
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,659
−HK$3,821/mo
Today · 4.125%
HK$128,480
baseline
▲ 0.50% · 4.625%
HK$136,298
+HK$7,818/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,960/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,499
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$138,106
−HK$3,659/mo
Today · 4.125%
HK$141,765
baseline
▲ 0.50% · 4.625%
HK$149,238
+HK$7,473/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,530/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,856 · Scale 2, in force from 26 Feb 2026)