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$67,148
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,237
−HK$2,122/mo
Today · 4.125%
HK$71,359
baseline
▲ 0.50% · 4.625%
HK$75,701
+HK$4,342/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$142,718/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,702
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,705
−HK$2,033/mo
Today · 4.125%
HK$78,738
baseline
▲ 0.50% · 4.625%
HK$82,888
+HK$4,150/mo
Deposit HK$14.72M · loan HK$14.72M · min. income ≈ HK$157,476/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,578
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,084
−HK$2,547/mo
Today · 4.125%
HK$85,631
baseline
▲ 0.50% · 4.625%
HK$90,841
+HK$5,210/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,262/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,642
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,046
−HK$2,439/mo
Today · 4.125%
HK$94,485
baseline
▲ 0.50% · 4.625%
HK$99,466
+HK$4,981/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$188,970/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,008
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,932
−HK$2,971/mo
Today · 4.125%
HK$99,903
baseline
▲ 0.50% · 4.625%
HK$105,981
+HK$6,078/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$199,806/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,582
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,387
−HK$2,846/mo
Today · 4.125%
HK$110,233
baseline
▲ 0.50% · 4.625%
HK$116,043
+HK$5,810/mo
Deposit HK$8.83M · loan HK$20.61M · min. income ≈ HK$220,466/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,867
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$124,627
−HK$3,819/mo
Today · 4.125%
HK$128,446
baseline
▲ 0.50% · 4.625%
HK$136,262
+HK$7,816/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$256,892/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,463
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$138,069
−HK$3,659/mo
Today · 4.125%
HK$141,728
baseline
▲ 0.50% · 4.625%
HK$149,198
+HK$7,470/mo
Deposit HK$2.94M · loan HK$26.50M · min. income ≈ HK$283,456/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,527 · Scale 2, in force from 26 Feb 2026)