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$67,045
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,130
−HK$2,119/mo
Today · 4.125%
HK$71,249
baseline
▲ 0.50% · 4.625%
HK$75,585
+HK$4,336/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$142,498/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,587
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,587
−HK$2,030/mo
Today · 4.125%
HK$78,617
baseline
▲ 0.50% · 4.625%
HK$82,761
+HK$4,144/mo
Deposit HK$14.70M · loan HK$14.70M · min. income ≈ HK$157,234/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,249,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,454
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,957
−HK$2,542/mo
Today · 4.125%
HK$85,499
baseline
▲ 0.50% · 4.625%
HK$90,702
+HK$5,203/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$170,998/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,504
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,905
−HK$2,435/mo
Today · 4.125%
HK$94,340
baseline
▲ 0.50% · 4.625%
HK$99,313
+HK$4,973/mo
Deposit HK$11.76M · loan HK$17.64M · min. income ≈ HK$188,680/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,249,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,863
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,783
−HK$2,966/mo
Today · 4.125%
HK$99,749
baseline
▲ 0.50% · 4.625%
HK$105,819
+HK$6,070/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$199,498/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,422
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$107,222
−HK$2,841/mo
Today · 4.125%
HK$110,063
baseline
▲ 0.50% · 4.625%
HK$115,865
+HK$5,802/mo
Deposit HK$8.82M · loan HK$20.58M · min. income ≈ HK$220,126/mo (50% DSR)
Upfront cash ≈ HK$10.07M (deposit + AVD stamp duty HK$1,249,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,681
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$124,435
−HK$3,814/mo
Today · 4.125%
HK$128,249
baseline
▲ 0.50% · 4.625%
HK$136,052
+HK$7,803/mo
Deposit HK$2.94M · loan HK$26.46M · min. income ≈ HK$256,498/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,256
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$137,857
−HK$3,653/mo
Today · 4.125%
HK$141,510
baseline
▲ 0.50% · 4.625%
HK$148,969
+HK$7,459/mo
Deposit HK$2.94M · loan HK$26.46M · min. income ≈ HK$283,020/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$1,249,602 · Scale 2, in force from 26 Feb 2026)