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$67,333
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$69,428
−HK$2,128/mo
Today · 4.125%
HK$71,556
baseline
▲ 0.50% · 4.625%
HK$75,910
+HK$4,354/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,112/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,254,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,907
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$76,916
−HK$2,038/mo
Today · 4.125%
HK$78,954
baseline
▲ 0.50% · 4.625%
HK$83,116
+HK$4,162/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,908/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,254,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,800
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,313
−HK$2,554/mo
Today · 4.125%
HK$85,867
baseline
▲ 0.50% · 4.625%
HK$91,091
+HK$5,224/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$171,734/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,254,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,889
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,300
−HK$2,445/mo
Today · 4.125%
HK$94,745
baseline
▲ 0.50% · 4.625%
HK$99,740
+HK$4,995/mo
Deposit HK$11.81M · loan HK$17.72M · min. income ≈ HK$189,490/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,254,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,266
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$97,199
−HK$2,979/mo
Today · 4.125%
HK$100,178
baseline
▲ 0.50% · 4.625%
HK$106,273
+HK$6,095/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$200,356/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,870
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,683
−HK$2,853/mo
Today · 4.125%
HK$110,536
baseline
▲ 0.50% · 4.625%
HK$116,363
+HK$5,827/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$221,072/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,200
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$124,970
−HK$3,830/mo
Today · 4.125%
HK$128,800
baseline
▲ 0.50% · 4.625%
HK$136,637
+HK$7,837/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$257,600/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,833
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$138,450
−HK$3,668/mo
Today · 4.125%
HK$142,118
baseline
▲ 0.50% · 4.625%
HK$149,609
+HK$7,491/mo
Deposit HK$2.95M · loan HK$26.58M · min. income ≈ HK$284,236/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,973 · Scale 2, in force from 26 Feb 2026)