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$67,161
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,250
−HK$2,122/mo
Today · 4.125%
HK$71,372
baseline
▲ 0.50% · 4.625%
HK$75,715
+HK$4,343/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,744/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,715
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,719
−HK$2,033/mo
Today · 4.125%
HK$78,752
baseline
▲ 0.50% · 4.625%
HK$82,903
+HK$4,151/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,504/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,593
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,100
−HK$2,547/mo
Today · 4.125%
HK$85,647
baseline
▲ 0.50% · 4.625%
HK$90,858
+HK$5,211/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,294/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,659
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,063
−HK$2,440/mo
Today · 4.125%
HK$94,503
baseline
▲ 0.50% · 4.625%
HK$99,484
+HK$4,981/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$189,006/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,025
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,949
−HK$2,972/mo
Today · 4.125%
HK$99,921
baseline
▲ 0.50% · 4.625%
HK$106,001
+HK$6,080/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,842/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,602
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,407
−HK$2,846/mo
Today · 4.125%
HK$110,253
baseline
▲ 0.50% · 4.625%
HK$116,065
+HK$5,812/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,506/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,889
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,649
−HK$3,821/mo
Today · 4.125%
HK$128,470
baseline
▲ 0.50% · 4.625%
HK$136,287
+HK$7,817/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,940/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,488
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$138,095
−HK$3,659/mo
Today · 4.125%
HK$141,754
baseline
▲ 0.50% · 4.625%
HK$149,226
+HK$7,472/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,508/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,756 · Scale 2, in force from 26 Feb 2026)