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$67,213
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,303
−HK$2,124/mo
Today · 4.125%
HK$71,427
baseline
▲ 0.50% · 4.625%
HK$75,774
+HK$4,347/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,854/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,773
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,779
−HK$2,034/mo
Today · 4.125%
HK$78,813
baseline
▲ 0.50% · 4.625%
HK$82,968
+HK$4,155/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,626/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,655
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,164
−HK$2,549/mo
Today · 4.125%
HK$85,713
baseline
▲ 0.50% · 4.625%
HK$90,928
+HK$5,215/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,426/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,728
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,135
−HK$2,441/mo
Today · 4.125%
HK$94,576
baseline
▲ 0.50% · 4.625%
HK$99,561
+HK$4,985/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,152/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,098
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,025
−HK$2,973/mo
Today · 4.125%
HK$99,998
baseline
▲ 0.50% · 4.625%
HK$106,083
+HK$6,085/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,996/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,683
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,490
−HK$2,848/mo
Today · 4.125%
HK$110,338
baseline
▲ 0.50% · 4.625%
HK$116,155
+HK$5,817/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,676/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,983
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$124,746
−HK$3,823/mo
Today · 4.125%
HK$128,569
baseline
▲ 0.50% · 4.625%
HK$136,393
+HK$7,824/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,138/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,592
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,202
−HK$3,662/mo
Today · 4.125%
HK$141,864
baseline
▲ 0.50% · 4.625%
HK$149,342
+HK$7,478/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,728/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,727 · Scale 2, in force from 26 Feb 2026)