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$67,165
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,255
−HK$2,122/mo
Today · 4.125%
HK$71,377
baseline
▲ 0.50% · 4.625%
HK$75,720
+HK$4,343/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,754/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,721
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,725
−HK$2,033/mo
Today · 4.125%
HK$78,758
baseline
▲ 0.50% · 4.625%
HK$82,909
+HK$4,151/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,516/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,598
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,106
−HK$2,547/mo
Today · 4.125%
HK$85,653
baseline
▲ 0.50% · 4.625%
HK$90,864
+HK$5,211/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,306/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,665
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,070
−HK$2,439/mo
Today · 4.125%
HK$94,509
baseline
▲ 0.50% · 4.625%
HK$99,491
+HK$4,982/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$189,018/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,032
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,956
−HK$2,972/mo
Today · 4.125%
HK$99,928
baseline
▲ 0.50% · 4.625%
HK$106,009
+HK$6,081/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,856/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,609
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,415
−HK$2,846/mo
Today · 4.125%
HK$110,261
baseline
▲ 0.50% · 4.625%
HK$116,073
+HK$5,812/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,522/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,898
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,658
−HK$3,821/mo
Today · 4.125%
HK$128,479
baseline
▲ 0.50% · 4.625%
HK$136,297
+HK$7,818/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,958/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,497
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$138,105
−HK$3,659/mo
Today · 4.125%
HK$141,764
baseline
▲ 0.50% · 4.625%
HK$149,236
+HK$7,472/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,528/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,846 · Scale 2, in force from 26 Feb 2026)