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$67,021
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,106
−HK$2,118/mo
Today · 4.125%
HK$71,224
baseline
▲ 0.50% · 4.625%
HK$75,557
+HK$4,333/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,448/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,560
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,560
−HK$2,028/mo
Today · 4.125%
HK$78,588
baseline
▲ 0.50% · 4.625%
HK$82,731
+HK$4,143/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,176/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,425
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,927
−HK$2,541/mo
Today · 4.125%
HK$85,468
baseline
▲ 0.50% · 4.625%
HK$90,669
+HK$5,201/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$170,936/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,472
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,872
−HK$2,434/mo
Today · 4.125%
HK$94,306
baseline
▲ 0.50% · 4.625%
HK$99,277
+HK$4,971/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$188,612/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,829
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,748
−HK$2,965/mo
Today · 4.125%
HK$99,713
baseline
▲ 0.50% · 4.625%
HK$105,780
+HK$6,067/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$199,426/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,384
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,183
−HK$2,840/mo
Today · 4.125%
HK$110,023
baseline
▲ 0.50% · 4.625%
HK$115,823
+HK$5,800/mo
Deposit HK$8.82M · loan HK$20.57M · min. income ≈ HK$220,046/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,637
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$124,390
−HK$3,812/mo
Today · 4.125%
HK$128,202
baseline
▲ 0.50% · 4.625%
HK$136,003
+HK$7,801/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$256,404/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,208
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$137,807
−HK$3,652/mo
Today · 4.125%
HK$141,459
baseline
▲ 0.50% · 4.625%
HK$148,915
+HK$7,456/mo
Deposit HK$2.94M · loan HK$26.45M · min. income ≈ HK$282,918/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,151 · Scale 2, in force from 26 Feb 2026)