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$67,190
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,280
−HK$2,123/mo
Today · 4.125%
HK$71,403
baseline
▲ 0.50% · 4.625%
HK$75,748
+HK$4,345/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,806/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,748
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,752
−HK$2,034/mo
Today · 4.125%
HK$78,786
baseline
▲ 0.50% · 4.625%
HK$82,939
+HK$4,153/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,572/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,628
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,136
−HK$2,548/mo
Today · 4.125%
HK$85,684
baseline
▲ 0.50% · 4.625%
HK$90,897
+HK$5,213/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,368/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,697
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,103
−HK$2,440/mo
Today · 4.125%
HK$94,543
baseline
▲ 0.50% · 4.625%
HK$99,527
+HK$4,984/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,086/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,065
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$96,991
−HK$2,973/mo
Today · 4.125%
HK$99,964
baseline
▲ 0.50% · 4.625%
HK$106,047
+HK$6,083/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,928/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,647
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$107,453
−HK$2,848/mo
Today · 4.125%
HK$110,301
baseline
▲ 0.50% · 4.625%
HK$116,115
+HK$5,814/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,602/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,941
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$124,703
−HK$3,822/mo
Today · 4.125%
HK$128,525
baseline
▲ 0.50% · 4.625%
HK$136,346
+HK$7,821/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,050/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,546
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$138,154
−HK$3,661/mo
Today · 4.125%
HK$141,815
baseline
▲ 0.50% · 4.625%
HK$149,290
+HK$7,475/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,630/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,298 · Scale 2, in force from 26 Feb 2026)