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$67,324
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,419
−HK$2,127/mo
Today · 4.125%
HK$71,546
baseline
▲ 0.50% · 4.625%
HK$75,900
+HK$4,354/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,092/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,254,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,898
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,906
−HK$2,038/mo
Today · 4.125%
HK$78,944
baseline
▲ 0.50% · 4.625%
HK$83,105
+HK$4,161/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,888/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,254,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,789
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,302
−HK$2,554/mo
Today · 4.125%
HK$85,856
baseline
▲ 0.50% · 4.625%
HK$91,080
+HK$5,224/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$171,712/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,877
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,288
−HK$2,445/mo
Today · 4.125%
HK$94,733
baseline
▲ 0.50% · 4.625%
HK$99,727
+HK$4,994/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$189,466/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,254
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$97,186
−HK$2,979/mo
Today · 4.125%
HK$100,165
baseline
▲ 0.50% · 4.625%
HK$106,260
+HK$6,095/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$200,330/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,857
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$107,669
−HK$2,853/mo
Today · 4.125%
HK$110,522
baseline
▲ 0.50% · 4.625%
HK$116,348
+HK$5,826/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$221,044/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,184
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$124,953
−HK$3,830/mo
Today · 4.125%
HK$128,783
baseline
▲ 0.50% · 4.625%
HK$136,619
+HK$7,836/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$257,566/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,816
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$138,432
−HK$3,668/mo
Today · 4.125%
HK$142,100
baseline
▲ 0.50% · 4.625%
HK$149,590
+HK$7,490/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$284,200/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,810 · Scale 2, in force from 26 Feb 2026)