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$67,144
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,232
−HK$2,122/mo
Today · 4.125%
HK$71,354
baseline
▲ 0.50% · 4.625%
HK$75,696
+HK$4,342/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,708/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,697
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,700
−HK$2,032/mo
Today · 4.125%
HK$78,732
baseline
▲ 0.50% · 4.625%
HK$82,882
+HK$4,150/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,464/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,251,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,572
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,079
−HK$2,546/mo
Today · 4.125%
HK$85,625
baseline
▲ 0.50% · 4.625%
HK$90,835
+HK$5,210/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,250/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,636
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,040
−HK$2,439/mo
Today · 4.125%
HK$94,479
baseline
▲ 0.50% · 4.625%
HK$99,459
+HK$4,980/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$188,958/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,001
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,925
−HK$2,971/mo
Today · 4.125%
HK$99,896
baseline
▲ 0.50% · 4.625%
HK$105,974
+HK$6,078/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,792/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,575
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,380
−HK$2,845/mo
Today · 4.125%
HK$110,225
baseline
▲ 0.50% · 4.625%
HK$116,035
+HK$5,810/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,450/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,859
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$124,618
−HK$3,820/mo
Today · 4.125%
HK$128,438
baseline
▲ 0.50% · 4.625%
HK$136,253
+HK$7,815/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$256,876/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,454
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$138,060
−HK$3,658/mo
Today · 4.125%
HK$141,718
baseline
▲ 0.50% · 4.625%
HK$149,188
+HK$7,470/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$283,436/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,441 · Scale 2, in force from 26 Feb 2026)