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$67,318
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$69,412
−HK$2,128/mo
Today · 4.125%
HK$71,540
baseline
▲ 0.50% · 4.625%
HK$75,893
+HK$4,353/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$143,080/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,254,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,891
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$76,899
−HK$2,038/mo
Today · 4.125%
HK$78,937
baseline
▲ 0.50% · 4.625%
HK$83,098
+HK$4,161/mo
Deposit HK$14.76M · loan HK$14.76M · min. income ≈ HK$157,874/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,254,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,782
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,295
−HK$2,553/mo
Today · 4.125%
HK$85,848
baseline
▲ 0.50% · 4.625%
HK$91,071
+HK$5,223/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$171,696/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,869
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,279
−HK$2,445/mo
Today · 4.125%
HK$94,724
baseline
▲ 0.50% · 4.625%
HK$99,718
+HK$4,994/mo
Deposit HK$11.81M · loan HK$17.71M · min. income ≈ HK$189,448/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,254,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,246
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$97,177
−HK$2,979/mo
Today · 4.125%
HK$100,156
baseline
▲ 0.50% · 4.625%
HK$106,250
+HK$6,094/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$200,312/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,847
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$107,659
−HK$2,853/mo
Today · 4.125%
HK$110,512
baseline
▲ 0.50% · 4.625%
HK$116,337
+HK$5,825/mo
Deposit HK$8.86M · loan HK$20.67M · min. income ≈ HK$221,024/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,254,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,173
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$124,942
−HK$3,830/mo
Today · 4.125%
HK$128,772
baseline
▲ 0.50% · 4.625%
HK$136,607
+HK$7,835/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$257,544/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,804
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$138,419
−HK$3,668/mo
Today · 4.125%
HK$142,087
baseline
▲ 0.50% · 4.625%
HK$149,576
+HK$7,489/mo
Deposit HK$2.95M · loan HK$26.57M · min. income ≈ HK$284,174/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,254,696 · Scale 2, in force from 26 Feb 2026)