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$67,164
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,253
−HK$2,122/mo
Today · 4.125%
HK$71,375
baseline
▲ 0.50% · 4.625%
HK$75,718
+HK$4,343/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,750/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,719
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,723
−HK$2,033/mo
Today · 4.125%
HK$78,756
baseline
▲ 0.50% · 4.625%
HK$82,907
+HK$4,151/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,512/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,596
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,103
−HK$2,547/mo
Today · 4.125%
HK$85,650
baseline
▲ 0.50% · 4.625%
HK$90,862
+HK$5,212/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,300/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,662
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,067
−HK$2,440/mo
Today · 4.125%
HK$94,507
baseline
▲ 0.50% · 4.625%
HK$99,488
+HK$4,981/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$189,014/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,029
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,954
−HK$2,971/mo
Today · 4.125%
HK$99,925
baseline
▲ 0.50% · 4.625%
HK$106,006
+HK$6,081/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,850/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,606
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,412
−HK$2,846/mo
Today · 4.125%
HK$110,258
baseline
▲ 0.50% · 4.625%
HK$116,070
+HK$5,812/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,516/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,894
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,655
−HK$3,820/mo
Today · 4.125%
HK$128,475
baseline
▲ 0.50% · 4.625%
HK$136,293
+HK$7,818/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,950/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,494
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$138,101
−HK$3,659/mo
Today · 4.125%
HK$141,760
baseline
▲ 0.50% · 4.625%
HK$149,232
+HK$7,472/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,520/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,811 · Scale 2, in force from 26 Feb 2026)