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$67,312
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$69,406
−HK$2,127/mo
Today · 4.125%
HK$71,533
baseline
▲ 0.50% · 4.625%
HK$75,886
+HK$4,353/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,066/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,884
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,892
−HK$2,038/mo
Today · 4.125%
HK$78,930
baseline
▲ 0.50% · 4.625%
HK$83,090
+HK$4,160/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,860/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,254,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,774
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,287
−HK$2,553/mo
Today · 4.125%
HK$85,840
baseline
▲ 0.50% · 4.625%
HK$91,063
+HK$5,223/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$171,680/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,861
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,271
−HK$2,445/mo
Today · 4.125%
HK$94,716
baseline
▲ 0.50% · 4.625%
HK$99,708
+HK$4,992/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$189,432/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,237
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,168
−HK$2,978/mo
Today · 4.125%
HK$100,146
baseline
▲ 0.50% · 4.625%
HK$106,240
+HK$6,094/mo
Deposit HK$8.86M · loan HK$20.66M · min. income ≈ HK$200,292/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,837
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$107,649
−HK$2,853/mo
Today · 4.125%
HK$110,502
baseline
▲ 0.50% · 4.625%
HK$116,326
+HK$5,824/mo
Deposit HK$8.86M · loan HK$20.66M · min. income ≈ HK$221,004/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,162
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$124,930
−HK$3,829/mo
Today · 4.125%
HK$128,759
baseline
▲ 0.50% · 4.625%
HK$136,594
+HK$7,835/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$257,518/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,791
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$138,406
−HK$3,667/mo
Today · 4.125%
HK$142,073
baseline
▲ 0.50% · 4.625%
HK$149,562
+HK$7,489/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$284,146/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,579 · Scale 2, in force from 26 Feb 2026)