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$67,204
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,294
−HK$2,124/mo
Today · 4.125%
HK$71,418
baseline
▲ 0.50% · 4.625%
HK$75,763
+HK$4,345/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,836/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,763
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,768
−HK$2,035/mo
Today · 4.125%
HK$78,803
baseline
▲ 0.50% · 4.625%
HK$82,956
+HK$4,153/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,606/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,644
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,153
−HK$2,548/mo
Today · 4.125%
HK$85,701
baseline
▲ 0.50% · 4.625%
HK$90,916
+HK$5,215/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,402/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,716
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,122
−HK$2,441/mo
Today · 4.125%
HK$94,563
baseline
▲ 0.50% · 4.625%
HK$99,548
+HK$4,985/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,126/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,085
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,012
−HK$2,973/mo
Today · 4.125%
HK$99,985
baseline
▲ 0.50% · 4.625%
HK$106,069
+HK$6,084/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,970/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,669
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,476
−HK$2,848/mo
Today · 4.125%
HK$110,324
baseline
▲ 0.50% · 4.625%
HK$116,139
+HK$5,815/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,648/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,967
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$124,729
−HK$3,823/mo
Today · 4.125%
HK$128,552
baseline
▲ 0.50% · 4.625%
HK$136,374
+HK$7,822/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$257,104/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,574
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,183
−HK$3,662/mo
Today · 4.125%
HK$141,845
baseline
▲ 0.50% · 4.625%
HK$149,321
+HK$7,476/mo
Deposit HK$2.95M · loan HK$26.52M · min. income ≈ HK$283,690/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,559 · Scale 2, in force from 26 Feb 2026)