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$67,221
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,312
−HK$2,125/mo
Today · 4.125%
HK$71,437
baseline
▲ 0.50% · 4.625%
HK$75,784
+HK$4,347/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,874/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,783
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,789
−HK$2,034/mo
Today · 4.125%
HK$78,823
baseline
▲ 0.50% · 4.625%
HK$82,978
+HK$4,155/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,646/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,666
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,175
−HK$2,549/mo
Today · 4.125%
HK$85,724
baseline
▲ 0.50% · 4.625%
HK$90,940
+HK$5,216/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,448/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,740
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,147
−HK$2,441/mo
Today · 4.125%
HK$94,588
baseline
▲ 0.50% · 4.625%
HK$99,574
+HK$4,986/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,176/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,110
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,037
−HK$2,975/mo
Today · 4.125%
HK$100,012
baseline
▲ 0.50% · 4.625%
HK$106,097
+HK$6,085/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$200,024/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,696
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,504
−HK$2,849/mo
Today · 4.125%
HK$110,353
baseline
▲ 0.50% · 4.625%
HK$116,170
+HK$5,817/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$220,706/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,999
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,762
−HK$3,824/mo
Today · 4.125%
HK$128,586
baseline
▲ 0.50% · 4.625%
HK$136,410
+HK$7,824/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,172/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,610
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,220
−HK$3,662/mo
Today · 4.125%
HK$141,882
baseline
▲ 0.50% · 4.625%
HK$149,361
+HK$7,479/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,764/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,890 · Scale 2, in force from 26 Feb 2026)