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$67,145
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,234
−HK$2,122/mo
Today · 4.125%
HK$71,356
baseline
▲ 0.50% · 4.625%
HK$75,698
+HK$4,342/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,712/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,698
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,702
−HK$2,032/mo
Today · 4.125%
HK$78,734
baseline
▲ 0.50% · 4.625%
HK$82,884
+HK$4,150/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,468/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,574
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,081
−HK$2,546/mo
Today · 4.125%
HK$85,627
baseline
▲ 0.50% · 4.625%
HK$90,837
+HK$5,210/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,254/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,638
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,042
−HK$2,439/mo
Today · 4.125%
HK$94,481
baseline
▲ 0.50% · 4.625%
HK$99,461
+HK$4,980/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$188,962/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,003
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,927
−HK$2,971/mo
Today · 4.125%
HK$99,898
baseline
▲ 0.50% · 4.625%
HK$105,977
+HK$6,079/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,796/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,578
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,382
−HK$2,846/mo
Today · 4.125%
HK$110,228
baseline
▲ 0.50% · 4.625%
HK$116,038
+HK$5,810/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,456/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,861
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$124,621
−HK$3,819/mo
Today · 4.125%
HK$128,440
baseline
▲ 0.50% · 4.625%
HK$136,256
+HK$7,816/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$256,880/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,457
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$138,063
−HK$3,658/mo
Today · 4.125%
HK$141,721
baseline
▲ 0.50% · 4.625%
HK$149,192
+HK$7,471/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$283,442/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,470 · Scale 2, in force from 26 Feb 2026)